Author: Sandeep Dhiman

    Contracts and their undeniable importance in a business

    Contracts and their undeniable importance in a business – Things to know

    Not only the small business owners but also the major companies and independent contractors will need business contracts. When products, services, or duties are traded in lieu of a fee, it is smart to form a contract between the parties. Commercial contracts are usually enforced with legal action, and hence they even protect the parties from being taken unduly advantage of. 

    Business contracts are usually implied, verbal, or written. The most common forms of business contracts are:

    • Sales or lease agreements
    • Employment contracts
    • Tenancy contracts

    The basics of a business contract

    Whenever two business parties come together to sign a contract, they take on certain rights that have to be in perfect tandem with the rights and responsibilities of the other party. You need to have a proper balance between what is promised and what is required of each party. 

    Do you want your business contract to be held up in court? If so, there are certain things to bear in mind. Check out the sample templates and contracts so that you’re sure about not missing out on any necessary details. You may even collaborate with a business lawyer who will ensure you draft a valid and good contract. Click here to learn more

    Do you read the fine print?

    The most important part of any contract is the deal that is made. However, the fine print is also vital for the business agreement. Business firms that wish to maintain some form of competition need to be careful while creating a perfectly formulated fine print that will make the deal better. 

    Different types of business contracts

    There are a few other kinds of contracts that include:

    • Wills
    • Power of attorney agreements
    • Wills
    • Construction contracts
    • Bill of Sale contracts

    There are unilateral contracts that include one party promising to make payment and something equivalent for the performance of a specific task. On the contrary, bilateral contracts exchange the promise of one party for the promise of another. Though contracts don’t always need to be written, implied and verbal contracts are tougher to enforce. 

    So, if you’re someone who needs help with the drafting of a business contract, all you need to do is post your legal requirements on the legal marketplace. There are the best lawyers who can help you design the most effective business contracts that will protect both parties involved in the deal. 

    Employee Retention

    How is Employee Retention Tax Credit a boon for businesses?

    When you ask CFOs and business owners whether or not they’ve heard about the Employee Retention Credit or the ERC, they’ll answer in the affirmative. But the moment you question them further about the program, you’ll probably get to know that they have just applied for the PPP (Paycheck Protection Program) loans and they think they’re similar to ERC.

    If you too are an employer who is not sure about how ERC works, click here to learn more about it. Here are a few things that you should know about this government-backed program. 

     

    There is no similarity between PPP and ERC

     

    Although both are a part of the CARES (Coronavirus Aid, Relief, and Economic Security), the ERC isn’t similar to the PPP. This is nothing but supplemental credit and no company should miss out on this benefit without realizing it. 

    This ERC program was introduced to assist businesses in retaining their workers and staying away from forced layoffs during the pandemic situation. Eligible businesses receive a per-employee credit and this amount is based on a percentage of qualified health insurance benefits and wages paid to workers. 

     

    Is it still given to businesses that took out PPP loans?

     

    After the Consolidated Appropriations Act was passed in December 2020, this restriction was done away with. Hence, the employers who had already applied for PPP loans could again apply for the ERC and they could do that during the initial three quarters of 2021. 

    The businesses that retained their employees throughout 2020 and 2021 could still qualify for this credit, even after receiving PPP loans. As the pandemic is still there and there are many small and medium-sized businesses that are still bearing the brunt, obtaining this extended credit makes good sense for the business. 

     

    Who qualifies for ERC?

    ERC is a redeemable tax credit that can be claimed quarterly from 12th March 2020, till the end of December 2020 along with the initial quarters of 2021. An employer can claim this credit and offer a payroll reduction during that time period. 

    Two categories of employers can qualify for ERC – small and large. The size of a business depends on the total number of full-time employees. Large companies are those that have more than 100 employees. 

    So, now that you know the details of ERC and how it is a boon for businesses and employers, you can file for the claim if you think you qualify. 

    Making Graphics For Newsletters

    13 Things To Consider When Making Graphics For Newsletters

    The majority of newsletters are read on a computer screen, where resolution and the size of a pixel determine the clarity and sharpness of images. That means that when making graphics for newsletters, consider how they will look in pixels, not inches. For example, you wouldn’t want to design an image to be 3 inches wide by 4 inches high to be viewed on a screen. You wouldn’t be able to see it clearly, and it would probably look like a little postage stamp.

    Here are ten tips for creating newsletter graphics that will look good when viewed on a computer:

    1. Make it Big and Clear Enough

    Make your newsletter template infographics big enough to see clearly, but not so large that they slow down download time. The faster the newsletter downloads, the more quickly it can be read. Generally, you should limit graphics to less than 100 KB in size each. But when choosing photos, go for high-resolution photos and artwork (at least 150 dpi) when possible to ensure the clearest image.

    Make your newsletter template infographics

    Source: Venngage

    2. Choosing The Right Colors

    Use a limited color palette for your newsletter design to preserve clarity and sharpness and limit file size. For example, instead of using 24-bit color (or more), use 8- or 16-bit color (if you can’t limit colors, reduce the number of colors used). Also, if your camera takes photos in JPEG format, limit the number of colors to 256. If you have a photo with many colors, reduce it to grayscale and add more contrast between pixels.

    At the same time, use bright, contrasting colors for text and backgrounds to increase contrast and make it more legible. After creating your graphic, think about colors that will look good together on both a computer monitor screen and if photocopied.

    If you need newsletter templates of all colors, check out Venngage.

    3. Make Use Of Borders

    If you want a border around an image to highlight it, don’t use a shadow effect – instead, increase the size of the box so there is more white space between the image and border.

    4. Clip Photos

    Use a clipping path if you have a photo with a complicated background that does not contribute to your message. Clipping paths remove a section of a photo so you can easily place it in another area.

    5. Keep Font Size At 14

    When making text files, especially with an email newsletter, use at least 14-point type size to ensure readability. Keep type simple and sans serif for the best digital resolution that is not distracting from your message.

    6. Reduce Image Contrast

    If you have two graphics so close together that they appear as one image onscreen, reduce the contrast so they are distinguishable. Generally, one or two objects in a graphic are enough, but never more than three—any more and the eye has a hard time finding what’s important.

    Reduce Image Contrast

    Source: geralt/Pixabay

    7. Keep It Simple

    If you can’t readily identify what a graphic is about, or if it looks too complex to understand quickly, simplify it by removing superfluous information. Remember that a newsletter’s goal is communication—so for effective communication, don’t include anything unnecessary in your graphics.

    8. Always Check the Spelling

    Don’t forget to spell check! Trust me—it’s embarrassing when typos appear in a graphic promoting your business or organization.

    9. Seek Professional Help

    If you need more information on how to make good graphics for newsletter templates, seek the help of a graphic designer. This person should be able to help you with your newsletter examples and design as well as what types of graphics will best enhance your message.

    10. Keep It Legal

    Make sure you have permission to use any images, photos, logos or icons that are not your own.

    11. Save The Newsletter In All Formats

    Save your graphic file in the GIF, JPEG, or PNG format for maximum compatibility across e-mail clients and platforms.

    Like what’s been said that the GIF format only supports 256 colors while JPEG and PNG support millions. Remember to test your graphic, or GIF file, with different e-mail clients (Internet Explorer, Outlook Express, AOL, Yahoo! Mail) to make sure it will display properly for users of each application.

    12. Preview Your Work

    Use the preview option in your e-mail client to see what type of quality you can expect when sending your graphic. If good resolution cannot be achieved, reduce the size of your graphic so it will download quickly. Also, create a version of your graphic in black and white if you think users might have difficulty viewing color graphics in their e-mail client or on a user’s computer screen.

    13. The Right Name Matters

    And finally, be sure to include a descriptive file name and alt text (alternative text) when saving your graphic for e-mail newsletters, which will increase accessibility and compatibility across different email clients and platforms.

    In Closing

    Graphics for newsletters can be one of the most important aspects of getting your newsletter read. So follow these thirteen things to consider when creating graphics because they will make your newsletters more attractive and readable.

    Boost Your Chances of Quick Home Loan Approval

    How to Boost Your Chances of Quick Home Loan Approval?

    A home loan can finance the purchase and renovation of a residential property. Whichever is your future plan, it’s a good idea to learn in advance how to get quick approval for the best home loan. Here are some useful ways to increase your chances of fast home loan approval.

    Make Use of Your Income

    Do you have a high annual income? Then you can prove it to the lending bank with the necessary income proof documents for a quick home loan approval. A high income can also help you get a loan of a higher amount. That’s because the bank then concludes that you earn enough to afford a big loan and can, therefore, repay it over the chosen tenure. So, there’s no problem in granting your loan request right away.

    Build a Good CIBIL Score

    A CIBIL score is calculated based on the history of your credit and loan repayments. It shows your creditworthiness. Therefore, before approving a home loan, a lending bank in India will check your CIBIL score. It’s a 3-digit figure ranging from 300 to 900. A high score (700-900) can help you get a big loan quickly. Plus you can enjoy the best home loan interest rates. So, boost your CIBIL score with regular loan EMI and credit card bill payments.

    Add a Co-Applicant with High Creditworthiness

    Don’t be upset if you don’t have a high credit score. Just see if you can add a close family member like your spouse with good creditworthiness as a co-applicant to the loan. This can increase your eligibility to apply for a home loan and the chances to be granted the loan quickly. Also, then again you can get access to the most competitive interest rates and a large loan amount.

    Be a Loyal Customer of your Bank

    Have you been a well-performing or loyal customer of your bank or share a good rapport with it? Then you can use this fact to your advantage when applying for a home loan. When the bank finds out that you have never kept any dues and cleared all payments and been a trusted customer for a long time, it will gladly offer you a loan without delay.

    Look for Easy Documentation

    The best bank for home loans not only asks for a few basic documents but also allows you to apply for the loan online. This ensures your convenience and a faster turnaround time.

    When it comes to documentation, you may only have to submit:

    • Valid address, identity and business proofs as required
    • Property Proof
      • Possession/Allotment letter
      • Photocopy of chain title documents and draft sale deed
      • No objection certificate from the society
      • Any other necessary documents based on the legal report
    • Valid income proof
      • For salaried applicants: The latest ITR or Form 16/ last 2 months’ salary slip/ last 6 months’ bank statement/
      • For non-salaried applicants: P&L statement or balance sheet/ bank statements of the last 6 months or credit card statements/ latest ITR/ GST returns

    Remember to check your EMI amount using an online home loan EMI calculator offered by the best bank on its official website.

    Graphics Cards

    Best Graphics Cards You can Buy in India

    Computers play a very important role in our lives. They give accurate results with increased productivity. A desktop/laptop is a combination of software and hardware elements. 

    One of the vital hardware components of a computer system is a graphics card. A graphics card is a piece of computer hardware that produces an image on the monitor. A better graphics card can produce a better and smoother image. 

    There are two types of Graphics Cards – Integrated and Discrete. Integrated Graphics Cards are pre-installed in laptops and desktops. 

    While Discrete Graphics Cards are being installed on the motherboard as an extra component, you can upgrade a Discrete Graphics Card. But an Integrated Graphics Card is difficult to upgrade.

    There are mainly two brands whose Graphics Cards are available in India. They are AMD and Nvidia. Most of the laptops under 25000 are in the market comes with this graphic card. The range get above on the basis of memory of GPU Read on to know about some of the best Graphics Cards you can buy in India!

    • AMD Radeon RX 570 4GB

    It is an excellent graphics card for 1080p gaming. It is the right choice for gamers who want good performance at an affordable price. Most of the desktops are capable of running this card without any difficulty. You can consider buying this card if you have an integrated graphics card or you want to upgrade your old card. 

    • Nvidia GeForce RTX 2060 Super

    This is one of the best graphics cards for 1440p and 144 Hz FHD performance. It can handle games at close to high to ultra-quality. This graphics card gives you the benefits of DLSS up scaling and RTX ray tracing features. It is a combination of varied features, reasonable price and balanced performance. 

    • Nvidia GeForce RTX 2070 Super

    It is a good card at a reasonable price for 4K or high-refresh-rate gaming. It gives you extra headroom to push the quality. It can handle 4K at high or medium settings.

    • GeForce GTX 1660 Super 6GB

    This is a great card for mainstream gaming. It uses Turing architecture and delivers good performance. It does not deliver the ray-tracing effects, but it is worthy of its price. It has a memory speed of 14 GBPS and a boost clock of 1785 MHz.

    • Nvidia GeForce RTX 2080 Ti

    This is the latest graphics card available in India. It has ray tracing and deep learning techniques. Although it is highly-priced, yet is probably the fastest card available in the market. It possesses Turing GPU architecture and ultra-fast GDDR6 memory.

    • AMD Radeon RX 5700 XT

    The efficient new RDNA architecture is an important feature of this card. It has a memory capacious of 8GB of GDDR6. You can consider buying this card if you want high frame rates at a high refresh rate display. It does not have ray tracing hardware or driver support. 

    • GeForce GTX 1060

    This graphics card offers power efficiency and excellent performance. You can experience the revolutionary 360-degree image capture wit this card. It has got innovative cooling technology to eliminate heat. Silencing technology helps control noise. 

    You can buy the best laptop under Rs.25,000 and increase its productivity with a graphics card. Graphics cards are useful for applications like Adobe Photoshop to edit videos and photos. Here is a quick laptop buying guide for you to buy a laptop as per your specifications and choice:

    Factors to consider while buying a laptop

    • Choose the display panel – IPS or TN (Twisted Nematic)
    • Select a display size as per your usage
    • Check the quality of the keyboard/ touchpad
    • Pick a well-performing processor and Graphics card
    • Go for a powerful CPU
    • Choose among HD resolution or 4K displays as per your budget
    • RAM and storage space
    • Battery life and connectivity options
    • Brand and warranty
    • Buy a discrete graphics card (for gaming and high-resolution video editing)

    A discrete graphics card helps to keep your computer up to date. Now that you know about the best graphics cards available in India and the factors you should consider while buying a laptop, you can make a better decision. You can buy the best laptop under Rs.25,000 with the help of the above-mentioned laptop buying guide.

    Cool Instagram Names for Boys and Girls: Funny Ideas and Generator

    Are you looking for a cool or funny Instagram name for boys and girls to create a new account with? In this case, you may find the appropriate information and suggestions on this page to look for ideas for finding a name and maybe create your Instagram name using one of the numerous generators. Over the past few years, a number of online services have prevailed, and by this we mean not only the well-known names such as WhatsApp, Facebook and Twitter, but above all Instagram.Nothing special from the basic principle but due to the huge user base and the millions or even billions of photos a very interesting platform with great features. After you have created an account, you can take photos and, in the meantime, even short videos directly on your smartphone and the associated apps and upload them to a profile. The pictures can then be provided with hashtags so that they can also be found and at the same time other people and friends can subscribe and follow this account. Of course, the pictures can also be commented on, so that one could speak of a small social network with a focus on pictures.

    Find the right name for Instagram

    Ideas for Instagram Names: The Best Tips

    Ideas for Instagram Names: The Best Tips

    If you absolutely want to set up your own name as Instagram name, for example, so that a visitor or subscriber can see the right name directly or you can be found better by friends, then you usually have the problem that this is already taken. If you don’t want to choose a fancy name, there are also other ways to register without being shown that the name is taken. In most cases small modifications are sufficient, which one knows maybe from one or the other platform. So it is often enough to simply put a dot, underscore or single line between the first name and last name. Alternatively, you can, for example, add the year of his birth to the back or front of the name, which increases the chance a lot,

    Many names are already occupied

    Anyone who has tried to log on to Instagram under a fairly generic and simple name will surely have received the error message that the name is already taken. As with any large online service with millions of members, it is sometimes not so easy to find the right name and you are sometimes quite amazed which names have already been assigned. It can be quite frustrating at times, even if you still can not log in even after many attempts and changes of the Instagram. Of course there are options to shout an underscore or other letters in front of the names or simply add a few numbers, but more and more users are looking for fantasy names.

    After we summarized some tips for getting Instagram followers in the linked article a while ago, this page is about the question of how to find a cool Instagram name and that for boys and girls

    Ideas for cool Instagram names

    Now we come to the important part of this page and these are suggestions and ideas for cool Instagram names. Because when you register and have to choose a name, you can’t think of a really funny nickname at the time, as always. If you want it to be a simple fiascan name, then you can use one of the many name generators. One generator that we particularly liked was the website spinxo.com, On this website you can easily have an Instagram name created and this is not done randomly, but you have the option to enter certain properties that are then included in the creation. For example, you can include a name, preferences, hobbies, important words and numbers. The more information you provide, the more unique and unusual the name becomes and with a high degree of probability it has not yet been documented.

    Do you have more great tips and ideas to find a cool Instagram name? If yes, then feel free to contact us via the comment section of this page.