Sovereign gold bonds (SGB): SGB is issued by the RBI in tranches through scheduled commercial banks, recognised stock exchanges, designated post offices, etc. The minimum and maximum investment allowed to each individual investor per financial year is 1 gram and 4 kg, respectively. In addition to the potential of capital appreciation, SGB investors also benefit in the form of interest of 2.50 per cent annually payable in half yearly rests. While the interest income is taxable as per the tax slab of the investor, any capital gains resulting from the redemption of SGB is tax-exempt. Indexation benefits are applicable on long term capital gains arising out of transfer of bonds to other individuals. Another major advantage of SGB is the ability to use it as a collateral for availing bank loans. … [Read more...] about What’s the best way to invest in gold now?
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Insurance is your most trusted ally while dealing with emergencies that can come knocking anytime. While a term plan provides your dependents with a large financial cushion in your absence and helps them take care of their needs, health insurance prevents out-of-pocket expenses and a dip in savings in case of a medical contingency. … [Read more...] about Roadblocks to financial independence and ways to overcome them
In the end, it all comes down to what you want from your flip phone. If you want a flip phone with the latest hardware with a polished design, Samsung’s Z Flip is definitely the way to go. But if you are looking for a better overall flip phone experience, then we suggest opting for the Moto Razr. … [Read more...] about Motorola Razr 5G vs Samsung Galaxy Z Flip 5G: How do the best 2020 flip smartphones compare?
Do a listening tour via video You’re taking on a new project and want to understand how your internal stakeholders are using the product. Instead of trying to schedule six hours of meetings across many time zones, ask everyone to send you a short video of how they’re using your product—they can walk you through their process to get things set up and talk about what they would like to see changed. … [Read more...] about 7 simple ways to make meetings better (or not have them at all)
Funding employee resource groups (ERGs). Katie Dunlap, from YourCause, defines ERGs as “groups of employees with shared interests who come together to support each other and learn from one another. ERGs typically align around demographics or life circumstances. ERGs are often a place where professional and personal development, support, information sharing, community outreach, networking, recruiting, and shared experiences are found. These groups are a safe space for those who self-identify to find support, but they are also a place where allies of that group can show and find support as well.” We currently have two ERGs, Out at Zapier and Womxn of Zapier, and we’re working on adding more. … [Read more...] about How to change the way we view women’s worth at work