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With stock prices changing every second, making well-informed decisions to buy or sell a security can be challenging. A popular approach that attracts the attention of both experienced and beginner investors is analyzing stocks based on their 52-week prices.

So, how can a 52-week price be one of the determinant factors for the purchase or sale of a stock? Simply put, a 52-week high stock may indicate that it has reached its current potential, whereas a 52-week low stock may show potential investment or trading opportunity. However, there may be various reasons why shares are currently trading at a certain level.

So, to not miss out on these intricacies while investing in the stock market, consider engaging with an expert stock advisor such as Research and Ranking to make sound investment choices.

In this blog, we shall understand what 52-week low stocks are, their importance for investors, and much more.

What are 52-Week Low Stocks?

52-week low stocks represent securities that have hit their lowest trading price in the past 52 weeks. When you encounter a stock at its 52-week low, its market value is low relative to the previous year.

Investors often scrutinize these stocks, viewing them as potential opportunities for bargain purchases. However, they can also indicate a company facing challenges.

Keep an eye on these stocks, as they might present opportunities for potential gains. Usually, interest increases for stocks near their 52-week low. Since this level is also considered a support level, the stock is unlikely to fall below it; it offers more growth potential than the ones trading on a 52-week high.

Monitoring 52-week low stocks can provide valuable insights into market trends and individual stock performance, helping you make informed investment decisions.

How are 52-Week Low Stocks Determined?

  • You can scan through financial news platforms or use stock market analysis tools to find a list of stocks currently trading close to their 52-week low prices.
  • You can examine the historical price data of these stocks to verify if they’re indeed at their yearly lows.
  • You can analyze the factors contributing to the stock’s decline, such as poor earnings reports, market trends, or company-specific issues.
  • After assessing the potential reasons behind the stock’s low valuation, you conduct a fundamental analysis to evaluate whether the stock is undervalued, whether there are any promising signs of recovery, and whether the company is facing challenges.
  • Lastly, you can compare the stock’s current price to its historical performance and consider other market indicators before making an informed investment decision.

Importance of 52-Week Low Stocks for Investors

  • Value investing: When a stock hits its 52-week low, it often indicates that the market sentiment towards the company is at its peak. However, this doesn’t necessarily reflect the company’s intrinsic value. Many investors take advantage of this opportunity to buy quality stocks at a discounted price and align with the principles of value investing.
  • Potential upside: Investing in stocks at their 52-week low can offer significant upside potential. As the market corrects its perception of the company or as the company addresses its underlying issues, the stock price has the potential to rebound.
  • Margin of safety: Buying stocks near their 52-week low provides a built-in margin of safety. This means that even if the stock experiences a further decline, the downside risk is relatively limited compared to its potential upside.
  • Long-term perspective: Investing in stocks at their lowest requires patience and a long-term perspective. While these stocks may not immediately skyrocket, they can deliver significant returns over time as the market recognizes their true value. By maintaining a steadfast approach and resisting the temptation of short-term gains, you can position yourself for enduring success in your investment journey.

Conclusion

52-week high or 52-week low stocks typically act as indicators for traders or short-term investors. However, even long-term investors can analyze these numbers to understand the stock’s current performance vis-a-vis the previous year. Remember, this is just one of the indicators for the purchase or sale of stocks. As a long-term investor, you must also focus on the company’s long-term prospects and ability to recover from its current situation.

Understanding the technicalities of the stock market can be difficult. Hence, getting help from an expert advisory firm like Equentis – Research and Ranking could help your investing journey.

In the intricate dance of modern business operations, accounts payable (AP) often takes center stage, demanding precision, efficiency, and strategic insight. As organizations seek to optimize their financial workflows, the role of AP automation has become increasingly pivotal. Yooz stands out in this domain, not just as a tool, but as a transformative force, redefining the essence of accounts payable processes. This article explores the multifaceted ways in which Yooz is revolutionizing AP automation, liberating teams from the shackles of inefficiency and sparking a new era of creativity and innovation in finance.

The Yooz Approach to Accounts Payable Automation

At its core, Yooz understands that the true power of automation lies not in replacing humans, but in enhancing their capabilities. By automating tedious, repetitive tasks, Yooz allows individuals and finance teams to focus on more strategic, value-added activities. This shift from manual drudgery to creative and analytical work doesn’t just improve efficiency; it transforms the entire ethos of the finance department.

  1. Cutting-Edge Technology: Yooz leverages the latest in artificial intelligence, machine learning, and cloud-based technology to provide a robust, intelligent AP automation solution. This technology ensures that data is captured accurately, workflows are streamlined, and decision-making is informed and timely. To understand the depth of these features, one can explore the Yooz website.
  2. Seamless Integration: Recognizing that businesses operate within a complex ecosystem of financial software, Yooz is designed to integrate seamlessly with over 250 financial systems. This interoperability ensures that the transition to automation is smooth and that businesses can leverage their existing investments in financial technology.
  3. Empowering Creativity and Strategic Insight: By automating routine tasks, Yooz frees finance professionals to engage in more creative and strategic pursuits. Teams can focus on analyzing trends, identifying savings opportunities, and contributing to strategic decisions that drive business growth and innovation.
  4. Scalability and Customization: Yooz understands that each business is unique, with its own set of challenges and requirements. The platform offers scalable and customizable solutions that grow and adapt with the business. Whether a small startup or a large enterprise, Yooz provides the flexibility and functionality to meet diverse needs.

The Benefits of Embracing Yooz for AP Automation

  1. Dramatic Efficiency Gains: Yooz significantly reduces the time and effort required to process invoices. What once took days or weeks can now be accomplished in hours or even minutes. This increase in efficiency translates directly into cost savings and a quicker return on investment.
  2. Enhanced Accuracy and Compliance: Manual AP processes are prone to errors, which can lead to compliance issues and financial discrepancies. Yooz minimizes these risks by ensuring that data is captured and processed accurately and that all transactions are fully traceable and compliant with regulatory standards.
  3. Improved Supplier Relationships: Timely and accurate payments are crucial for maintaining positive relationships with suppliers. Yooz ensures that invoices are processed efficiently, payments are made on time, and communication with suppliers is clear and consistent.
  4. Real-Time Insights and Control: With Yooz, finance teams have real-time visibility into the AP process. They can track invoices, monitor cash flow, and access detailed analytics and reports. This level of insight is invaluable for informed decision-making and strategic financial management.

Implementing Yooz: A Path to Transformation

  1. Assessing Needs and Setting Goals: The first step in embracing Yooz is to understand your organization’s specific needs and objectives. This involves assessing current AP processes, identifying pain points, and setting clear goals for what you hope to achieve with automation.
  2. Planning and Preparation: Successful implementation requires careful planning. This includes selecting the right configuration of Yooz to meet your needs, integrating it with your existing systems, and preparing your team for the transition.
  3. Training and Support: To fully leverage the power of Yooz, it’s crucial that your team understands how to use the platform effectively. Yooz provides comprehensive training and ongoing support to ensure a smooth transition and continued success.
  4. Continuous Improvement: The journey doesn’t end with implementation. Yooz is committed to continuous improvement, regularly updating and enhancing its platform to meet the evolving needs of businesses. Users are encouraged to provide feedback and engage in an ongoing dialogue to ensure that Yooz remains at the cutting edge of AP automation.

The Future of Finance with Yooz

In a world where efficiency, accuracy, and strategic insight are more critical than ever, Yooz stands as a beacon of innovation and transformation. By embracing Yooz, organizations can not only optimize their accounts payable processes but also unlock new levels of creativity, strategic thinking, and business growth. The future of finance is not just automated; it’s empowered, enlightened, and ready to meet the challenges and opportunities of the digital age. With Yooz, that future is here.

Now that you’re well-versed in the factors to consider when choosing a demat account, it’s time to examine the reputation and services of different providers. After all, you want to ensure you’re entrusting your investments to a reliable and reputable partner.

During your quest, embark on a reconnaissance mission to research the credibility and regulatory compliance of demat account providers. Check if they are registered and authorized by the respective financial regulatory authorities. This verification will alleviate any concerns and ensure you’re partnering with a trustworthy entity.

Remember, my friend, the insights of those who have treaded the investment path before can be your guiding light. Take advantage of user reviews and feedback available online to gain a better understanding of the experiences of fellow investors. These personal accounts provide valuable insights into the quality of services, customer support, and overall satisfaction offered by different account providers. Don’t be shy – knowledge is power!

Now, let’s delve deeper into the services provided by the best demat account providers. While all providers offer the basic functionality of buying, selling, and holding securities, certain features can enhance your investing experience:

Trading Platforms and Ease of Use: Consider the user interface and functionality of the trading platform provided by each demat account provider. A user-friendly platform equipped with advanced tools for technical analysis and real-time market data can empower you to make informed investment decisions. Simplicity is key – nobody wants a website or app that feels like an unsolved maze!

Additional Tools and Resources: Some providers go the extra mile by offering research reports, stock recommendations, and other value-added resources. For those seeking guidance and insights, these supplementary tools can be a game-changer. Assess whether these offerings align with your investment style and preferences.

Customer Support and Assistance: Whatever the journey, a reliable support system is always reassuring. Look for demat account providers that offer prompt and accessible customer support. They should be available to address your queries, concerns, or technical glitches at any given point.

Making the most of your investment options in Hong Kong can be daunting, especially when you’re just starting. It’s easy to focus on the minutiae of investments and overlook the basics: if you don’t have a healthy lifestyle, it won’t matter what investment strategies you employ.

Every great trader knows that success starts with caring for yourself — mind, body, and spirit — so creating a sustainable health plan should always come first in any investing endeavour. This article discusses critical considerations for maintaining optimal health while trading options in Hong Kong.

Understand the importance of physical and mental well-being in trading options

In the world of options trading, it is easy to be consumed by the pursuit of monetary gain. However, it is essential to recognise the significant role that physical and mental well-being play in this high-pressure industry. Making smart investment decisions requires mental sharpness, alertness, and the ability to remain level-headed.

Physical health is also crucial to maintaining a strong mental state, as exhaustion, poor nutrition, and lack of exercise can all contribute to diminished cognitive abilities. Balancing physical and mental well-being can be the deciding factor in achieving long-term success in the options trading market. Thus, traders must prioritise self-care, as it is directly linked to financial success in the industry.

Learn how to manage stress and poor sleep quality when dealing with market fluctuations

The options trading market can be volatile, and it is essential to be mindful of how this can affect your overall well-being. Stress and erratic sleep patterns are common side effects of dealing with the daily fluctuations in the market, and long-term exposure to these conditions can wreak havoc on your mental and physical health.

To combat this, traders must take breaks when needed. Allowing yourself restful downtime allows you to recharge and reset mentally, which will help you make better decisions when dealing with the ever-changing market conditions.

Additionally, engaging in activities such as yoga or meditation can also prove helpful when managing stress levels surrounding options trading. Not only do these practices help improve breathing techniques and reduce heart rate, but they can also increase focus and alertness — two critical components of successful investments.

Avoid too much screen time and take regular breaks while trading to reduce fatigue

As any trader knows, long hours spent in front of a computer screen can take their toll on your physical and mental health. To avoid fatigue and burnout, taking regular breaks while trading is essential. Even short periods away from the computer can re-energise you and help reduce stress levels when dealing with the markets.

In addition, traders should be mindful of their daily caffeine and sugar intake, as these substances often provide a short-term boost but can lead to exhaustion down the line. Instead, opt for more natural sources of energy such as whole grains, nuts, and fruits — foods that offer sustained energy for extended focus without the eventual crash that comes with unhealthy food choices.

Eat a balanced diet to maintain energy levels throughout the day

Eating healthy is essential to maintaining a healthy lifestyle while trading options in Hong Kong. Eating nutrient-rich meals will ensure your body has enough energy to meet the market’s demands and provide the mental clarity to make sound investment decisions.

Maintaining a balanced diet full of proteins, fats, carbohydrates, vitamins, and minerals is essential throughout each day. Consuming these vital nutrients can help protect against conditions such as stress-induced anxiety or depression, which can negatively impact trading performance.

Incorporate relaxation techniques into your daily routine to reduce anxiety

Options trading can be a high-pressure environment, so finding healthy ways of managing and reducing stress is essential. Incorporating relaxation techniques such as mindfulness meditation into your daily routine can help you stay calm and clearheaded when making investment decisions.

These activities also allow you to disconnect from the market and focus on yourself — something often overlooked in the heat of the moment. Regular breaks to practise breathing exercises or light stretching can significantly reduce anxiety while dealing with market volatility.

Exercise regularly to keep your body in top shape for making decisions quickly and accurately

Exercise is another essential factor in maintaining a healthy lifestyle while trading options. Regular physical activity helps to improve alertness, concentration, and overall cognitive performance — all of which are essential for making sound investment decisions quickly and accurately.

Physical exercise also reduces stress levels, helping traders stay level-headed when dealing with the market’s daily fluctuations. The best part? It doesn’t have to be an intense workout; even something as simple as a brisk walk can help you de-stress and refocus your energy on the task.

Are you in a financial pinch? A personal loan can be your only way out of the financial crisis. It can be used to cover any unexpected expense, repay your debt faster or even buy the latest model of a phone you’ve been looking forward to. The good thing is that you can use a personal loan to cover any cost.

The faster and most sought-after loans are personal loans. Even though mortgages are also on the rise and make up the largest portion of debts overall, in the past few years, people have taken out personal loans faster than any other loans like credit cards or auto loans.

Nowadays, you can take out a personal loan to cover your living expenses. However, some don’t know how and when to start.

What’s a personal loan?

A personal loan is a loan you can borrow from online lenders, credit unions or banks. Usually, it is fixed monthly installments with interest added. Generally, personal loans are secured, meaning you won’t have to offer a property or your asset as security.

The rate for a particular loan varies between lenders. However, it can range from 8.5% to 12%. However, the interest rate you’ll receive depends on factors like the DTI ratio and credit score. You can use the amount to pay for some of your living expenses if your income isn’t sufficient.

What to consider before you apply for personal loan

Before you take out a personal loan or start to plan the amount to borrow, these are some important considerations to make:

  • Ensure you understand how the lenders express the cost of the loan to ensure you can repay it.
  • You can use an online calculator to help you know the actual payments you should make every month.
  • Go for other options. Even though they are cheap to borrow, do not overlook other sources you can use to get cash.

Some documents are needed when applying for personal loans.

Every lender is different and can ask you for different documents when applying for a loan. When applying for a loan, you can be asked to provide your address, income, or SSN number. Also, there are some documents you can provide, like:

  • Proof of your identity like a passport or driver’s license.
  • Proof of income where you’ll have to provide tax returns, bank statements and more. For self-employed people, you’ll have to provide bank statements or tax returns.
  • Proof of your address, such as a utility bill or rental agreement.

How to get personal loan

Before getting a personal loan, there are several tips you have to consider. Not every person can get a loan. You should meet certain requirements before you can get a loan.

Decide the amount you can borrow

When you borrow less than you need, you might turn to other loan sources. Also, ensure you can comfortably repay the loan amount you borrowed. It isn’t cool to overextend yourself financially. The best thing is to wait for some time till your finances improve.

Check the credit you have

If you don’t know, personal loans largely depend on the creditworthiness of an individual. The lender checks your scores before approving your loan. Before you apply for a loan, check your report from any credit reporting bodies. It is advisable to do that before applying for a personal loan. Such actions are known as soft inquiries, and none will affect your credit score or creditworthiness. This happens only when you take out the loan, and your lender makes a hard inquiry.

Pick the lender, then apply

After doing research, you should pick the lender offering the best offers and start your application process. There are some lenders who allow online applications. Additionally, there are some others who need you to apply for the loan by going to the local branch.

In short, each lender is different regarding the information you need to apply for the loan. However, you will usually be required to provide your address, name or contact information, income, or employment information.

You will also state the amount you want to borrow. You have to complete the loan terms, including the fees and the tenure. But check the loan agreement thoroughly to see hidden costs or other pitfalls. This will help you determine if the lender.

Summing Up

As you can see, you can easily apply for a personal loan through website or personal loan app. The best thing about acquiring a personal loan is that no collateral is needed to avail the loan. You don’t have to provide your only asset to get the loan. As such, applying for a loan will be very easy.

You should repay your loan over a set term, normally 2 to 5 years. Best personal loans depend on your creditworthiness, measured by the credit score and the reason for applying for the loan. If you have a good credit score, you can get a loan inexpensively.

What is Peer to Peer (P2P) Lending

In recent years, Peer-to-Peer (P2P) lending platforms have gained considerable popularity in India, revolutionizing the investment and borrowing landscape. These online platforms connect borrowers directly with lenders, creating a mutually beneficial lending ecosystem. The availability of internet access, coupled with the underserved credit needs of individuals and small businesses, created an ideal environment for Peer to Peer  lending platforms to thrive. These platforms leverage technology to facilitate loan transactions, matching lenders’ investment preferences with borrowers’ credit requirements.

Investing in P2P lending platforms offers several benefits for investors looking to diversify their portfolio and earn attractive returns.

Here are some key advantages

Higher Returns: P2P lending platforms provide an opportunity to earn higher returns compared to traditional investment options. By directly lending to borrowers, investors can potentially earn interest rates that surpass those offered by traditional financial institutions.

Diversification: P2P lending allows investors to diversify their investment portfolio with a new-age investment avenue that is non-market linked. This diversification helps mitigate the risk and helps to balance the portfolio.

Accessibility: P2P lending platforms provide access to a previously untapped market of borrowers, including individuals and small businesses who may struggle to secure loans from traditional financial institutions. This accessibility allows investors to support creditworthy borrowers who might otherwise be overlooked by banks.

Passive Income Stream: P2P lending can generate a passive income stream for investors. Once funds are invested, the platform handles loan disbursement, repayment collection, and borrower management, reducing the need for active involvement. Investors can earn regular interest payments, which can supplement their income or be reinvested to compound returns.

Technological Efficiency: P2P lending platforms leverage advanced technology and automated processes, streamlining the investment process for investors. These platforms use Artificial Intelligence and Machine Learning technologies to assess borrower creditworthiness, minimizing the time and effort required for due diligence.

Following are the best P2P lending platforms to invest in P2P lending.

LenDenClub: LenDenClub is India’s largest P2P lending platform in India, providing investors with attractive returns of up to 12% p.a. on their investment amount. LenDenClub has revolutionized the P2P lending landscape in India by introducing their P2P lending investment plan called FMPP because it is available to all investors.

Faircent: Faircent is a prominent P2P lending platform in India that offers lenders the opportunity to invest in loans. Investors can explore a wide range of loan listings and select loans based on their risk appetite and expected returns. Faircent has successfully established itself as a trusted platform, facilitating lending transactions between borrowers and lenders.

Lendbox: Lendbox operates as a P2P lending marketplace, connecting borrowers in need of personal loans with potential lenders. The platform caters to various loan purposes, including debt consolidation, education expenses, medical bills, and more. Lendbox provides an avenue for investors to participate in P2P lending and contribute to borrowers’ financial requirements.

i2iFunding: i2iFunding is another P2P lending platform that allows individuals to invest in loans. Investors can diversify their investment portfolio by selecting loans from different risk categories offered on the platform. Returns are generated based on the interest charged on these loans, providing investors with potential earnings.

RupeeCircle: RupeeCircle presents lenders with an opportunity to invest in loans across a range of risk categories. Investors can choose loans based on borrower profiles, loan purposes, and interest rates, enabling them to diversify their investment and minimize risk. RupeeCircle aims to facilitate secure lending transactions and offer attractive options for investors.

Check out the Best P2P lending platforms in India

Conclusion

The P2P lending industry is dynamic and it is important to note that the landscape is continuously evolving, and new platforms may emerge or existing platforms may undergo changes. Therefore, we recommend conducting thorough research, reading user reviews, and taking into account factors such as interest rates, loan terms, borrower verification processes, and customer support before selecting a P2P lending platform. Staying informed and updated about the latest developments in the industry will help ensure that you make well-informed decisions when choosing a P2P lending app.

There are ways to lower your health insurance premiums despite medical costs. Below are some simple but effective ways to cut health insurance premiums:

  • Buy health insurance early

Early health insurance purchases can lower premiums. Health insurance premiums are directly related to policyholder age. The insurance company sees you as a greater risk as you age.

  • Compare health insurance online

Comparing health insurance plans online before buying is a great way to save money. Comparisons can help you find an affordable health insurance plan with good coverage. ##

  • Get family floater health insurance

Instead of buying individual plans for each family member, buy a family floater plan. It covers all family members on a floater sum insured basis. All insured family members share the sum insured and policy benefits for one premium. Since individual health plans require premiums for each family member, a family floater plan is more affordable. Thus, you save tonnes annually.##

  • Buy senior parent health plans

Avoid including elderly parents in your family floater plan to lower health insurance premiums. Covering them requires a separate health insurance policy. The eldest family member’s age determines the family health insurance premium. As your parents’ age, your floater policy premium will rise. However, a separate policy for your parents will lower your premium. You can find more details about this on a medical insurance app.

  • Buy basic health cover

If a comprehensive health insurance policy is too expensive, choose a basic plan that covers emergency hospitalisation. Basic health plans cost less than comprehensive ones due to their limited coverage.

  • Select coverage wisely

Choose wisely to lower health insurance premiums. A policy with unnecessary coverage will raise your premium. If you still need to get married, don’t get maternity coverage. Avoid unnecessary add-on covers.

  • Long-term policy tenure

2–3-year plans are more affordable than annual plans. Most Indian insurance companies offer a long-term concession on 2- or 3-year policies. You can look for this type of policy on a medical insurance app.

  • Online health insurance

Online health insurance purchases have lower premiums. Online insurance companies charge a lower premium because their operational costs are lower.

  • Choose a top-up health plan

A top-up health insurance plan can lower your premium without reducing coverage. They’re great for people with health insurance who want emergency coverage. A basic health plan with a top-up plan is more affordable than a comprehensive plan with a higher sum insured. The top-up plan’s premium will be reasonable if covered under your employer’s group health insurance plan. You can find these on an app for health insurance.

  • Choose a cumulative bonus policy

Use the cumulative bonus benefit to get more health insurance coverage without paying more. You get a cumulative bonus if you don’t claim the previous policy term.*

  • Live healthily

Healthy living lowers health insurance premiums. Insurers prefer healthy people without health issues to smokers and those with medical conditions.

And you can always find the right insurance for you and your family in the bajaj allianz mediclaim app.

Get insured anytime, anywhere! Check out Bajaj Allianz General Insurance website to learn more and download the app now.

* Standard T&C Apply

## All savings are provided by the insurer per the IRDAI-approved insurance plan. Standard T&C apply

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.

How to purchase car insurance?

Now you can buy car insurance online or offline. Technology allows online comparison of car insurance. You can use an app to check car insurance too.

Here are ten advantages of buying online car insurance

  1. Low paperwork

Online car insurance requires little paperwork. Some auto insurers issue policies online without paperwork. First, the insurer receives the proposal form and scans of the required documents online. After receiving the policy, the soft copy is sent to your registered email address.

  1. No insurance agent needed

Online car insurance purchases eliminate the need for insurance agents. Online policy purchases allow you to look up unfamiliar terms and jargon. Car insurance companies simplify jargon so car owners can understand them. If in doubt, contact the insurer.

  1. Less expensive

When you buy car insurance online, it offers more savings. Online motor insurance companies save money. It reduces agent commission costs. Online policy purchase reduces stationery and operating costs by requiring little to no paperwork. The insurer offers affordable car insurance due to lower operating costs. ##

  1. More convenient

Getting online car insurance is easier. You can buy the right car insurance in India online without leaving home. Purchasing a policy doesn’t require hours of waiting. The internet lets you apply for car insurance anytime. Online banking or credit cards can also be used to pay the premium.

  1. Instant policy issue

Online car insurance purchases are instantaneous. Policy documents are delivered quickly. Your auto insurer issues your policy in minutes.

  1. Faster process

It’s faster to buy car insurance online. Fill out essential car and contact details from home to get your policy quickly. It’s much quicker and more efficient than getting your policy offline, which would take days.

  1. Compare online

Online car insurance comparison is a significant benefit for you. Getting the right car insurance can be difficult because so many policies exist. Aggregator websites and apps let you compare and buy car insurance online.

  1. Easy insurer credibility check

Before buying car insurance online, check the company’s Incurred Claim Ratio, claim procedure, and claim settlement speed. To learn more, read customer reviews. These details can reveal an insurance company’s true nature.*

  1. Digital policy insurance document

Online car insurance policies are sent to your email address. Your car insurance policy is saved in your email. The offline policy document may need to be recovered if it is lost. Even if you lose the policy document, online purchase provides a soft copy. You can print the policy document multiple times.

  1. Policy approval

Online car insurance endorsement requests are simpler than offline insurance. You can even do this from a car insurance app. If you bought your policy online, you could submit a self-declaration and proof of the change to your insurer online, and the insurance will approve it.

Get insured anytime, anywhere! Check out Bajaj Allianz General Insurance website to learn more and download the app now.

* Standard T&C Apply

## All savings are provided by the insurer per the IRDAI-approved insurance plan. Standard T&C apply

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.

Digital payment systems are being implemented into the world of business like we’ve never seen. Transactions involving cash and checks are still vital to the operation, but B2B (business-to-business) payments are transitioning into the modern way of doing things. Methods such as electronic fund transfers and direct deposit are just a couple of the innovations sweeping careers all across the world.

CardConnect has provided an infographic detailing the emerging trends in the B2B payment world. To learn all about them, please see the provided guide.


Visit CardConnect’s website for more on ISO credit card processing

Each year Americans collect the necessary forms for filing yearly tax returns. However, some skip filing their returns on time and then have a terrifying time with disastrous financial results and the government agency, IRS putting charges and penalties for this error. Unfiled tax issues can be quite distressing and send many people into a complete panic. Unpaid taxes can accumulate quickly, and penalties can increase very soon.

Getting help with unfiled tax returns

Looking for help on how to file unfiled tax returns through a tax consultant or doing some research can help you take the right direction and take care of your unfiled outstanding.

How many years the IRS can go back?

The IRIS usually looks back for six years for late filing and if there is any lag within this period then it might lead to paying penalties and late fees. Therefore, failing to file your returns could leave you deeply in debt. You might be eligible for a refund if your taxes are automatically deducted from your paycheck. If you don’t file your taxes as soon as you notice that they are not filed, the IRS may impose fines that might reduce any possible refund.

How to get started?

The first thing you can do is collect as much information as you can. If you owe the IRS money or they find that you intentionally failed to file your taxes, they may look further back than the six years. You can also have the IRS file the return for you, but that will not be a good idea. It is best to consult a local tax consultant and look for ways to file your returns at the earliest.

Relevant paperwork

Gather all the relevant paperwork from W-2s, receipts, 1099 forms, bank statements, and any kind of bills that could be used as deductions.

Be vigilant in filing your taxes and keep checking the status of every past year to prevent any future IRS problems with unfiled tax returns