The Top 5 Issues with Android and how to Fix Them(Content Princess – SEO)

We’ve all been there. A shiny new Android phone set up with all the accessories and Apps you need. And the disaster! What can be more frustrating than a frozen, blinking or hanging smartphone? But never fear. In this article, we’ll check out the top 5 issues with Android mobiles and how to fix them!

  1. The System Just Crashes When I Startup

This can be one of the most frustrating smartphone problems. You power on, and things just don’t work. Don’t panic. Although this seems like you’ve just lost your entire world, it is often caused by a single app malfunctioning and by removing that app, you can enjoy your android once again.

The Solution

Simply start your phone in safe mode and uninstall the most recent apps.

On most Android devices, to start in safe mode, all you need to do is either:

(a) Hold the power off button down, wait until the power off screen comes on and keep holding. A new pop-up should appear asking if you “want to start in safe mode”. Click yes, and your Android will only load basic utilities leaving you free to uninstall the pesky app that’s causing you problems.


(b) Turn your android on and hold down the volume up and volume down buttons for a few seconds. It should launch into the pop-up asking if you want the safe mode. Again, find the latest app and either uninstall or modify to begin using your Android happily.

  1. My Android is Soooo Slow!

An unbelievably common android problem with a super easy way to fix it yourself. The most common causes of this are usually a lack of storage space or too many apps running.

No Space?

Simple. Get yourself an SD card and move your larger apps onto that. They will still keep running as normal, but won’t be using your precious android processing power. You may have to close the app to move it first.

Too Many Apps?

If your apps start automatically on startup, just go to: ”Settings > Startup Manager” and deselect the apps that are not essential.

  1. My Screen Keeps Shifting Orientation

A very annoying occurrence but one that is easy to fix. If your Android keeps shifting from portrait to landscape and back again, just go to: “Settings > Display” and uncheck the “Auto-rotate screen” button. Voila!

  1. Google Play Store Keeps Crashing

This is one of the biggies. At one point or another, you’ll be in the Google Play Store, and for some reason, things just won’t work right. You keep trying, but things just go from bad to worse. This common smartphone problem can be solved in just a few simple steps.

Go to: “Settings > Apps” then swipe to the right, and you should be on the “all” tab. Find Google Play Store and press clear cache and data. After you restart your phone, it should be working just fine.

  1. Water Damage!!!

This happens more often than you might think. But don’t worry. Stay calm and try the following methods:

(a) Remove the battery and any SD cards, towel all parts dry and place in a Tupperware container filled with rice. Leave it for AT LEAST 24 hours and then put it back together. The rice should absorb any moisture thus protecting your circuitry.


(b) Again, remove any parts from your wet android. Gently towel it dry, hold a vacuum cleaner 2 to 3 inches away from your phone to draw out any water droplets for about 10 minutes. Finally, leave in a sunny spot on paper towels for a day. The water should have either been sucked, drawn, or evaporated away.

So there you have it, the top 5 Android issues and how to be a DIY master in fixing them. Remember that the best way to protect your phone is to follow manufacturer guidelines at all times and only use apps from trusted sources.

If you have any other android issues, leave a comment below and see if our wonderful online community can help!

Primary keywords: top 5 issues with Android
LSI Keywords: smartphone, Android issues, hanging smartphone
Variants: android problem
Antonyms & Synonyms: smartphone problem, android problem
Sources: No outside sources used in this. All personal experience


What’s cooking in New Orleans: A Guide to the City’s Best Cuisine(Content Princess – SEO)

New Orleans, Louisiana is arguably the southern culinary capital of America. Known for their spicy cuisine, locals to this city cook French and Cajun delicacies, sandwiches for everyday feasting, soul food, and even delicious desserts. The French Quarter has all this and more, but the surrounding areas also provide a tasty treat or two. Being in New Orleans promises one thing to its visitors and natives alike: You will never go hungry again.

Southern Sandwiches

The Po’ Boy is a traditional Louisiana submarine sandwich. Typically, they are served on a baguette and filled with lettuce, tomato, pickles, and a choice of meat. The New Orleans locals usually enjoy a fried oyster or crawfish Po’ boy, but roast beef is another delicious option. Elizabeth’s in the Marigny district is a local favourite. In the French Quarter, NOLA Po’ Boys serves up a variety of these sandwiches and is located on the infamous Bourbon Street. Just remember to tell them how spicy you want it because southern cuisine tends to be hot and zesty.

The Muffuletta is a sandwich that originated among Italian immigrants in New Orleans. The sandwich is stuffed with ham, salami, mozzarella and provolone cheese, and plenty of olive salad served on a sesame seed bun. The Central Grocery and Deli in the French Quarter is the number one stop for Muffuletta lovers. Here, you have the option of purchasing a whole, half, or quarter sandwich. Choose wisely before ordering; the portions are huge!

Classic Cajun Cuisine: Jambalaya and Gumbo

Jambalaya is a spicy Cajun treat loved by tourists and locals of Louisiana alike. The dish consists of rice, vegetables, and a variety of meats. Shrimp and sausage are the most common components of this spread. However, if you’re seeking something different, try the rabbit Jambalaya at Coop’s Place. Located just a few blocks from the famous music venues of Frenchman Street and the bars of Bourbon Street, it’s the perfect place to start your night.

No trip to New Orleans is complete without a taste of soul food. Gumbo is a traditional Cajun stew that will warm you up and provide some southern comfort. Mother’s Restaurant in the Central Business District serves up a choice of either seafood or chicken and sausage gumbo. For an extra kick, try adding some Louisiana hot sauce to the mix. Mother’s may have a short wait before seating is available, as this spot has been increasing in popularity. However, the classic southern cuisine is well worth the wait.

Enjoy a Sweet Treat

Whether you’re looking for a late night snack or a quick breakfast, there is always room for something sweet. New Orleans’ most famous treat is the deep-fried beignet. These small pastries are a French classic made with various types of dough and covered in powdered sugar. The best place to try these little delights is at Café Du Monde in the French Quarter. There you can sample a variety of beignets, either plain or with filling. They go great with Café Du Monde’s signature coffee, which can be purchased as beans to brew at home.


SEO Keywords:

New Orleans


French Quarter











Why is working capital the backbone of a business? (Content Princess – SEO)

What is working capital?

Simply put, working capital is funds available to the business for day-to-day use. It is the excess of current assets over current liabilities. A positive working capital reflects the ability of a company to pay off short-term debt. Some businesses cannot cover their regular operations without additional working capital obtained through funding options.

Ways to build a good amount of working capital

A few lucky entrepreneurs are financially stable. They have savings and sales to cover their expenses. Others, however, will need some help to get the business running. The financial backing can come from a variety of courses.

Regardless of the situation, businesses may need to increase their capital during certain circumstances. Some companies will use working capital to expand their business by hiring new employees, increasing their inventory, or investing in technological advances. Others will use the loan to prepare for an upcoming busy season.

How strong is your working capital?

As Entrepreneur suggests, a company can calculate its operating cycle and use that information to analyse its financial needs. The time elapsed during the accounts receivable and the inventory cycle is compared to the length of the accounts payable cycle. A lower working capital during the first two cycles could prompt a business to look at financing options.

Does the Business Need a Loan or a Cash Advance?

Loans and cash advances are the two primary funding options. Each has its advantages and disadvantages, and each can be procured from several establishments. Below is a summary of each option.


  • Legally binding
  • May be dependent on credit history
  • Possibility of low-interest rates
  • Can be approved and funded quickly
  • No hidden fees

Before signing for a loan, the business owner must be eligible for it. The requirements vary by lender, but they are essentially verifying that the owner will repay the loan on time.

Cash Advances

  • Less regulated than loans
  • Offered by non-banking corporations
  • May be easier to obtain for new businesses
  • Different payback system than loans
  • May have high-interest rates
  • Can be approved and funded quickly
  • May have hidden fees

Look out for the funding options at Capital Float

The size of your company and eligibility

Capital Float will accept businesses that are as young as one year old, granted they have an annual turnover of 25,00,000 rupees and are based in India. Loans begin at 1,00,000 rupees, go to up to 1,00,00,000 rupees for online sellers, and are capped at 50,00,00,000 rupees for larger businesses. Interest rates can be as low as 18{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616}, and funding can be approved in one week.

How much of your inventory can be financed?

Inventory financing is available for companies that have been running for two years with an annual turnover of 1,00,00,000 rupees. Up to 80{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616} of the invoice value can be loaned. The loan can be repaid in one payment, or over the course of up to 180 days.

Cash advance for your business needs

Additionally, cash advances are distributed to companies with annual turnovers of 20,00,000 rupees, when 12,00,000 of that is done by credit card. The loan can be between 50{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616} and 150{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616} of the applicant’s monthly credit card volume, repayable in up to one year.

Managing the Cash Flow for Improved Sales

When sales are going well, and expenses are being covered, the business has a positive cash flow. This is the desired flow for a company. Having a negative cash flow means that the business is spending more than it can repay, and this is risky behaviour.

Factors affecting working capital

Working capital management is essential for the business to run smoothly. To properly manage the cash flow, factors like accounts receivable, inventory, and accounts payable need to be considered in addition to the profit or loss of the company. Generally speaking, a positive cash flow means the business is profitable. A low inventory level frees up working capital for other uses. Sending out invoices promptly will speed up customer payments.

Identify difficulties and resolve problems in time

Having a cash flow spreadsheet allows the owner to quickly identify challenges that may be faced, such as unexpected large orders, cancelled orders, or late payments. When the repercussions are shown with numerical values, plans can be made in anticipation of those events.

As business owners learn to control their cash flow, working capital will be more readily available, and funding options will not be required as often.

Primary keyword: Working capital

LSI keywords:

Variants: additional working capital, lower working capital, working capital management,  positive working capital

Antonyms and synonyms: cash flow, financing options, funding options,  financial backing,  regular operations, operating cycle,  financial needs, inventory financing


What You Should Look For in Unsecured Business Loans (Content Princess – SEO)

Unsecured business loans allow a small business to obtain funding without putting up collateral. This is a viable option for many businesses who may not have anything of ‘value’ to put up as collateral e.g. expensive equipment or property. It is also a viable option for companies that may not wish to borrow much in the way of cash.

As with other types of loan out there, you will find that there are many lenders to choose from. Some of these lenders may be perfect for your business. Other lenders may not be quite as advantageouss. As a small business owner, it is your job to select a lender who is right for the business that you are operating. This blog post will provide you with details on how to do this.

Benefits of Unsecured Business Loans

There are various benefits to unsecured small business loans. You will be able to see a quick round up of the advantages on Chron. It, essentially, boils down to the following:

  • Easier to obtain than traditional loans as you will not have to supply collateral.
  • In the event of bankruptcy, unsecured loans tend to be ‘discharged’ whereas secured loans are typically not.
  • The lender will not be able to seize your possessions should you be unable to pay the loan back.

Steps to Obtaining a Small Business Loan

Obtaining an unsecured loan for your small business will rest strongly on the way in which you manage your business and your finances. Before you apply for a small unsecured business loan, you should read the article at Investopedia. It goes in depth on what is expected of you when you apply for a loan. It can be summarised as follows:

  • Ensure that your cash flow predictions are accurate. This will have a significant impact on whether you can obtain a loan or not.
  • Ensure that your credit score is accurate. Try to boost it if possible. An excellent guide to follow can be found on
  • Put together a solid business plan
  • Research potential lenders. We will give you information on how to select a lender in the next section.

What should you look for in an unsecured small business loan provider?

Your small business is unique. This means the short-term financing that you obtain for your business should be unique too. Therefore, it is important that you select a loan provider who can offer flexible loans. Capital Float can provide you with the following:

  • Customised loan products. This way you will be able to tailor the loan package to suit your specific business.
  • Flexible financing options. This includes invoice financing and e-commerce finance.
  • Term finance where you have the ability to set the length of the short term business loan.

Small business lending on both invoices and e-commerce values are a great way to boost your chances of being successful with your loan application. Invoice financing allows you to borrow capital against the number of outstanding invoices that you currently have. E-commerce financing allows you to borrow money for your small business against your average total sales for your online company.

Unsecured business loans without collateral tend to be a bit ‘riskier’ for a lender. Also, you may find it slightly more difficult to obtain a loan with competitive interest rates. However, if you look at various websites, you may not find a satisfactory interest rate. But we here at Capital Float, provide you with competitive interest rates as low as 1.33{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616}. Low interest rates mean that your business will be paying back ‘less’. This means paying back the loan will have a lower financial impact on the firm.

Applying for the loan

Once you have found somewhere to provide you with your unsecured loan for your business, it is important that you get the application process right. This will increase your chances of being selected. At Capital Float, we will process your application and provide you with the money that your small business needs within just three days. However, to ensure this, you will need to make sure that you have all of your paperwork in order.

Primary keyword: Unsecured business loan

LSI keywords:

Variants:  unsecured small business loans, Small Business Loan, small business unsecured loan,  unsecured small business loan provider

Antonyms and synonyms:  collateral,  traditional loans,  secured loans, short term financing,  financing options, Term finance,  short term business loan



Lenders in the Millennial Temple: Revolutionising Mortgages in the Digital Age (Content Princess – SEO)

Just a few decades ago, almost no one had internet access. Now, the internet has fully invaded every industry, and housing mortgages are no exception.

The housing market has struggled to grab the new millennial consumer audience. Research has shown that, largely due to the emergence of the sharing economy and changing generational values, young people are not buying homes or cars. Especially compared to their parents’ generation, hardly any young people plan on buying a home in the next decade. Mortgage rates are low, and employment rates are high, but it is simply not a priority for many.

How are mortgage companies capturing millennial audiences?

Instead of trying to rope in young audiences with expansive ad campaigns or through rate incentives, some mortgage companies are taking a different approach. Instead of getting the customer to come to them, they are picking up their businesses and taking it to the customer. And where else could millennials be but – you guessed it- the internet.

It is widely known that millennials essentially live on the internet. They conduct much of their public and private business online. They are the children of the internet age – the expectation is that information on products (in this case, homes) will be readily available, easily accessible, accurate and fast.

Information Access is the key appeal for younger generations

Companies like Zillow, Redfin, and operate well-interfaced real estate search engines that cater to young people’s preference for finding information online rather than heading to an office or hiring a real estate agent.

This online search capability gives a sense of power to the buyer, as they feel they have more control over their finances and future when they are secure that they have accurate information and are not being taken advantage of by a salesperson.

Online mortgages have also entirely changed the lending market. By moving from banks to the web, more people can take out mortgages and gather information about the best rates.

Most millennials want to do as much of the home buying process as possible by themselves, but eventually many also want the affirmation of a real, expert agent. Therefore, even though mortgages are being steadily shifted online, it can never quite push out the importance of loan agents and realtors.

There are plenty of benefits to online mortgage boom, but some negative impacts as well

Online mortgages are often available at the lowest possible rates, but without the help of an expert to walk you through the entire process and regulations. This could lead to additional costs down the line due to a lack of understanding of the terms of a mortgage. However, current technology has made us biased towards the belief that most large purchases can be done very quickly, an aspect where online mortgages have a huge advantage over traditional ones.

Advisory HQ published their recent list of the best-rated online mortgage companies, including:

-Sebonic Financial

These companies all have a few things in common which determine online lenders’ success:
-understandable online interface
-customisable products
-low rates
-fast turnover

Further reading:

housing market, millennial consumer, online mortgage, online lenders, online mortgage companies, real estate search engine, online mortgage, loan agent, online interface, online search, millennial consumer


I’ll tell you how StudyBud can save you after your partying college life has, sadly, come to an end

I know finishing college can be a pretty sad time for some, while it is what they’ve been waiting for in case of others. But unfortunately, you do not have a chance to grieve for the end of your student life.

That’s right my friend; it is time to move on.

However, you have the whole of India at your fingertips…as long as you are prepared for your future.

The answer to your problems…

StudyBud is an online assessment learning platform which is especially useful for people finishing college – people like you.

If you have an idea of a career you want to aim for, then you should be looking at this online evaluation website. Even if you don’t know what you want to do in the future, it is likely to give you a few ideas.

Honestly, I wish I had access to something like this when I left school.

But, why is this even relevant?

Online educational helpers like this are very useful for those who haven’t had the chance to work on individual skills.

With this company, you can refine your knowledge about many topics including engineering, computing and verbal ability.

Comparison to other assessment pages

There are plenty of other similar websites out there, available to anyone and everyone.However, StudyBud is the only one that cares – its small team gives it the personal touch that other companies lack.

Also, this particular online assessment meets many requirements that others do not. It opens your eyes to important factors like company specific preparation that similar online study helpers do not do.

This online aid also makes a pretty nice change to the classroom studying that you are used to!Online learning is also critical, not just to the young Indian men and women, but also to the country itself.

Why is special preparation necessary?

Company specific training is extremely critical.Unfortunately, many other analysis programmes do not focus on preparing you for a particular company – instead, they teach you in a far more general manner.

However, StudyBud does supply you with all the assessments you will need for specific business placements and skills.

How does this platform help?

StudyBud is a highly useful website as it doesn’t only get you ready for your future, it allows you to learn and develop your skills further.

As well as focusing on the main attributes to getting you a job placement in a company that other assessment pages do not, it also has many other special features that grant you the opportunity to excel in your area of study.

The evaluation company gives you the opportunity to keep track of your educational progress post-college, ask questions from high-quality teaching instructors as well as testing your knowledge with hundreds of mock trials.

This unique website also informs you of trends in your weaknesses and strengths. You are also able to compare how you are doing to your friends, ultimately giving you boasting rights (not that I promote too much arrogance!).

The people behind it all

The founders of this impressive study website are two friends who have known each other since 2006.They are Anubhav Jain and Dhruv Bhushan – chief education officer and chief motivation officer (two people who know what it is likely to have fancy-sounding titles to their names).

There are also other members in the team, including a technology officer, mentors and advisors – all of whom are there to help you and your future (the name of the website doesn’t lie – it is your ‘Study Buddy’).

Useful Links

LSI Keywords

Online assessment


Company specific preparation

Learning platform

Evaluation website

Online educational helper

Company placements

Online aid

Assessment page

High quality teaching instructors

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The Importance Of Online Assessment to Placement Preparation.

Work placements are a golden opportunity for students to gain some invaluable industry experience.  But with increasing competition among students, online preparation tools are becoming a valuable resource.

Companies use the interview process to identify candidates with strong all-around applications. 

There are many areas to consider with your request, employing several rounds to screen candidates. A strong candidate thus needs to treat each section with equal importance.

This is where professional guidance provides an advantage.

Work Placement Preparation Specialists

Using a dedicated employability service to aid your application can have many benefits, not least:

  • An unbiased opinion of your current strengths,
  • Significant resources available to increase knowledge and support preparation,
  • Instant reports and feedback,
  • National benchmarking to give you an accurate reflection of your current relative standard, and
  • In-depth Knowledge of current market requirements based on professional industry links.

With no ulterior motive in the industry, it is in their best interests to make a student’s application successful.  As a business model, the company’s future success is entirely dependent upon their client’s success.

Online Learning and Assessment Companies

Offering additional teaching and support, online companies such as StudyBud, provide several benefits.

The main advantage afforded by an online company is the depth of resources available.

There’s an enormous amount of information, tests and analytical tools instantly accessible.  Not only are they available in a variety of media, but they’re also always available.

By offering online preparation for placement, an added flexibility is provided.  It allows learning to be undertaken both at a time and at a pace of your choosing. 

With further personalisation options such as customisable quizzes and the ability to make a quick online assessment, creating a tailored learning plan is fast, straightforward and efficient. It can also be updated as you progress.

Company Specific Preparation For Clients

It has long been understood that knowledge is power.  Knowing what a company requires of its employees allows you to adapt your application accordingly.

With any application, it’s important to be able to capture the employer’s attention.  All recruiters begin with a list of criteria specific to their company’s needs.

This is initially used to identify potential employees from all the applications they receive.  But it is also used further in the recruitment process to choose a suitable candidate for their needs.

Understanding what a company wants is critical to being able to provide them with it.

What To Study For A Placement Test

In addition to the multitude of facets involved with every employment application, there is a vast amount information available to help negotiate this process.

But as there is a broad range of industries in this world, there is also a wide variety of techniques employed by the various employers.

This is where expert advice and inside business knowledge can make a difference to your application.

A Bespoke Plan To Improve Your Chances Of Success

To maximise your chances of getting not just a job, but the very best job.

StudyBud is a company offering a holistic package for improving your chances of post-education employment.

Offering unique personalised development programs and company specific preparation across many industries.  The transition from learning to earning is carefully mapped out for you with support at every stage.


LSI Keywords

Online Assessment

Placement preparation

Work placement preparation

Online preparation tools


Online preparation for placement

Company Specific Preparation

What to study for a placement test


Everything You Need to Know About Aegon iTerm Plans

Don’t Have Life Insurance?

As we grow old, one of the most pressing issues that we have to deal with is life insurance. What are we going to leave our loved ones after we die? What happens if I die suddenly, and my family has no way to support themselves? We ask ourselves these questions, and many of us have no answers. In fact, only 44{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616} of Americans have a life insurance policy of their own, while 80{ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616} of Americans say that they need to purchase life insurance. If you are one of that 80 {ed162fdde9fdc472551df9f31f04601345edf7e4eff6ea93114402690d8fa616}, Aegon iTerm plan might be the option for you.

Aegon Life Insurance


Average Costs of Life Insurance

There are many life insurance plans out there, but most of them are going to be the wrong option for you. They all promise to provide only the best service and give you the most for your money, but this is not always true. Aegon Life is guaranteed to give you the lowest prices for your life insurance. They are primarily concerned with providing you with the best life insurance for both you and your family and will help you as you progress through life. 

Benefits of Aegon iTerm

Life insurance should give you more user benefits than simply paying into a fund so that one day your loved ones will receive a lump sum of money. With Aegon iTerm plan, the sooner you begin paying into your life insurance, the more you are going to save.


Unlike many of Aegon’s competitors, they offer the opportunity to change your life insurance, and add additional coverage policies, when the needs of your life change. Aegon wants to support your family, rather than bankrupt it. Aegon also covers:

  • Accidents
  • Terminal illness
  • Critical illness
  • Disability

Aegon Outperforms Competitors

Rather than listening to what Aegon has to say, however, it is better only to look at the numbers to find the best life insurance. When comparing Aegon to some of their biggest competitors, including Kotak and Aviva, it is clear that Aegon has more affordable premiums. The Aegon iTerm life insurance plan has by far the most affordable life insurance, coming in at almost half as much money as their competitors. 


When you look at the numbers, Aegon’s new Religare iTerm plan comes in at 4,128 rupees, whereas the competition comes in at 7,492 rupees and 5,850 rupees.

No Matter What Your Needs Are, Aegon Has You Covered

Aegon has made their name in the life insurance industry for offering the most comprehensive and affordable life insurance options. However, when they unveiled the Aegon iTerm plan, they made life insurance coverage affordable for everyone. Even if you do not have the highest paying job, or you believe that you are not in the financial position that you have to be to get life insurance, the iTerm plan is for you. Everyone deserves to have the security of knowing that if the absolute worst were to happen, their family would be looked after.


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Term insurance plans are the ideal life insurance choice for people who are working, who have others depending on them, and are looking for the best level of protection available but at a reasonably low cost.

So what is a term insurance plan? In a nutshell, it’s a life insurance protection policy. It means that in the event of the death of the person insured, a guaranteed amount will be paid to their specific nominee. Nothing will be given if the individual who is insured, lives beyond the length of the policy. 

If you are worried about any of the following issues, then a term assurance policy might be the best thing for you:

  • The security of your family financially if you were no longer with them
  • Any need to change your life insurance as your life stages change
  • Ensuring your family would have a monthly income if you passed away
  • Avoiding your financial issues burdening your family after your death

The benefits of the new Aegon iTerm plan

This comprehensive term insurance plan provides a variety of advantages to working families, to help provide reassurance that their loved ones would be looked after if anything should happen. Some of the key features of this particular plan include:

  • Life insurance right up to eighty years of age, if required
  • The choice to increase your life cover as your life changes
  • A built-in benefit if you are diagnosed with a terminal illness

So, looking at the advantages in a little more detail, the Aegon iTerm plan offers customers the chance to expand and increase the life cover purchased, when there are changes in life which require it, such as the birth of a new child, or a wedding.

If you were to die, there is the option to either grant the payout to your loved ones as a lump sum or as a monthly income, whichever would suit them better. The policy also includes an automatically built in benefit if you are diagnosed with a terminal illness. The plan even includes discounted rates for women and for those who don’t smoke.

What other similar plans are there?

A quick search on a comparison site for myself – a non-smoking 43-year old woman – soon pulled up some similar policies offering some benefits and features along the same lines:

Metlife is offering the Mera Term Plan. This term plan also includes a discount offer for non-smokers and allows insurance up to the age of 75. The policy term provided to me here was between 10 and 40 years.

Birla Sun Life Insurance runs the BSLI Protect@Ease term plan which was similar but offered insurance up to the age of 80 this time. It also included a no-smoking discount price and the policy term this time was between five and 40 years.

ICICI Prudential Insurance offers the iProtectsmart plan, which insures you up to 75 years of age. This policy term is between five and 40 years again, and also provides a non-smoker reduction in price.


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Policy term

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Financial security



So Your Small Business Financing Went Through, Now What?

Small Business Financing Can’t Be the End Goal

For Small businesses, especially new small businesses, or those who are looking to expand their reach, financing options are one of the most important things to worry about. But what happens after you have received your funding? What do you do with your small business financing? This is the fun part of having a small business, but it is also a significant time as well. Small businesses care much about how they handle their financing.

Updating Strategies

Many small businesses will open, and have the perfect strategy for their customer base, bringing in clients and managing cash flow to create profits. However, many companies (see graph below) cannot keep up with the changing needs of their industry, or adapt to the new consumer habits. No strategy is going to last forever, and with technology, strategies must continually evolve.


Financing for customers with a small business must be kept abreast of the ways that consumers are changing their habits. Small business finances, or at least part of them, must be used to improve the business strategies you use to run your business, from the top down.

Keeping Good Employees with Good Wages

Financing a small business also means funding the employees that you hire to help you with the firm. It is common sense that you need to have the best employees working for you if you want to have a successful business. The biggest problem with this is paying them real wages. On the one hand, you need to be able to have profits, so that you can grow your business, and continue financing for small firms. On the contrary, you have to pay them enough to keep them. To attract the best employees, and have the best chance at success, you need to pay your employees well.


One of the most important factors in how to finance a small business is to figure out how to market your business. Similarly, for business strategies, you cannot use the same marketing strategy. You must look at your customer base, and identify the best strategy to reach them, as well as new clients. You cannot wait until your marketing strategy has worn out and you begin to lose customers; you must use the best small business financing to give you the funds you need to identify new marketing strategies.


One of the biggest causes of failure for small businesses is that they outspend their little business financing. Whether because small businesses are taking a risk hoping that profits are going to come, or because small businesses have no other option to keep themselves open, overspending is a massive problem. Financing for customers of a small business must revolve around keeping spending in the small business setting to a minimum, and only for costs that the firm absolutely has to make. You cannot spend just because you recently received additional financing. 

Growing the Business

Small business growth is the overall goal of small business financing. You want to get the money that you need to expand your business, so that it remains within your means, but that it is sufficient to reach more people and achieve more profits. Consumer financing for small businesses can help you with this, but it is up to small businesses themselves to use that money intelligently and always with growth in mind. Business cannot grow too fast, beyond what they are capable of running, but they cannot stifle themselves by being afraid of growth. In the end, you must know yourself, and know your business, because nobody else can know the details like you.  


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