Hazel Calvin


SIP and Inflation Calculator – Working and Benefits

Calculators have life simple for humans. They have the ability to compute the most complicated calculations and display results in just a few seconds. Calculators are easy to use and anyone from a school going child to an elderly human can use these tools to their advantage. Now one does not need to buy a calculator from the store physically. Online calculators are freely available and anyone accesses them from a laptop, computer a tablet, or even a smartphone with a decent internet connection.

For mutual fund investors, if they have started a mutual fund SIP or are planning on investing in mutual funds via SIP, they can use an online SIP calculator. Let us find out what an online SIP calculator is and how one can make the most out of this tool.

What is a SIP calculator?

A Systematic Investment Plan (SIP) is one of the two ways to invest in mutual fund schemes (the other way being lumpsum investing). Anyone who wishes to invest small fixed sums regularly instead of making a large principal investment can opt for the SIP option. Let’s say you want to build a corpus of Rs. 6 lakhs to buy a new car. Assuming that the mutual fund scheme in which they invest offers an average return of 8%, a monthly SIP of Rs. 9000 should be enough for them to achieve the desired corpus at the end of their investment horizon. And such calculations can be easily done using an online SIP calculator.

An online SIP calculator is a simple and easy tool that lets potential mutual fund investors determine the total returns earned from their SIP investments over a certain period of time. This calculator is easily accessible to which any layman can use by just putting in a few details.

How does the SIP calculator work? 

The formula on which the SIP calculator is based is stated below:

M = P × ({[1 + i] n – 1} / i) × (1 + i)

Here –

  • M’ stands the total sum that you receive upon maturity
  • P’ is the sum you invest at periodic intervals
  • n represents the number of monthly SIPs you have made during your investment journey
  • i is the periodic rate of interest

While calculating future returns is crucial, it is equally important for investors to consider the rate of inflation. For example, if your investment scheme offering an average return of 6% and the estimated rate of inflation is 4% then your actual returns are only 2%. Investors can plan their finances more adequately by using an online inflation calculator.

What is an inflation calculator?

An online inflation calculator is easily available, and anyone can use it freely. Anyone can easily use this calculator to determine the purchasing power of a certain amount. A time-saving tool, the online inflation calculator calculates your queries and displays results within a few seconds. If you want to manually calculate the purchasing power of a certain amount it may take a while before you derive to the conclusion. However, using an inflation calculator saves time as this online tool produces results almost instantly.

How to use the online inflation calculator?

As mentioned earlier, it is easy to use the inflation calculator and one needs to follow these simple steps to get desired results–

  • Investors first need to enter the amount whose future spending power value they want to determine
  • Next, they must enter the number of years after which they want to determine the purchasing power of the specified amount

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SIP Calculator – Calculate SIP Returns & Invest in SIP

When we are investing our hard-earned money in investment products, we are keen to find out how much corpus we can earn at the end of our investment journey. By figuring out the total estimated capital gains, investors can determine whether their investments are sufficient to nurturing their life’s short-term or long-term financial goals. Similarly, when it comes to mutual fund investments since these are market-linked schemes whose returns fluctuate from time to time investors want to know how much wealth they can create.

Investors who start a SIP in a mutual fund scheme can use the SIP calculator to determine the total returns (approximate) one can earn over a stipulated period. Today we are going to discuss the SIP calculator and how investors can use it to their advantage to calculate SIP returns. But before that, let us understand what SIP is.

What is SIP?

A systematic Investment Plan (SIP) is a simple and easy way to invest small fixed sums in mutual fund schemes. A retail investor does not need to have a large sum to invest in mutual funds via SIP. Some mutual funds even allow investors to invest an amount as low as Rs. 500 per month through SIP. An investor can either start a SIP in mutual funds or can make a one-time lumpsum investment. A lot of investors opt for SIP over lumpsum because it allows them to buy more units over time and averages out their cost of purchase.

The following example might help you understand how the SIP in mutual fund works –

Suppose you want to collect Rs. 15 lakhs to send your child abroad for higher studies when they turn 18. Let us assume that your child’s current age is 8. This means you have 10 years in hand before you need the money. Assuming that the mutual fund scheme will deliver an average 8% annual return, a monthly SIP of Rs. 8200 will help you to build the education corpus over the course of the next 10 years.

Now that we are quite clear on the concept of SIP, let us move ahead to the SIP calculator?

What is a SIP calculator?

As its name suggests, an online SIP calculator is a free online tool that any layman can find and use without any technical difficulties. It gives SIP investors an estimate of the total returns they can earn through their monthly SIP investments. However, while calculating the total returns, the calculator doesn’t take the mutual fund scheme’s expense ratio into consideration.

Here’s the formal on which the SIP calculator is based:

M = P × ({[1 + i] n – 1} / i) × (1 + i)

Where –

  • M’ is the total sum that you receive upon maturity
  • P’ is the sum you invest at periodic intervals
  • n’ is the number of monthly SIPs you have made during your investment journey
  • i’ is the periodic rate of interest

As mentioned earlier, these are just estimated figures and investors should bear in mind the actual returns may vary depending on the performance of the mutual fund. Also, one should consider inflation while calculating returns as this will give them a better understanding of the value of their corpus at the time of redemption.

The best way to earn returns with mutual funds is by starting a SIP. SIPs are flexible which allows investors to start or stop their SIP investments anytime. SIPs can inculcate the discipline of regular investing and new investors who are new to financial planning should consider opting for SIP in mutual funds.

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SIP Calculator – Systematic Investment Plan Calculator Online

These days young investors do not want to invest in conventional investment avenues like their parents and grandparents. They seek other investment options that may not guarantee returns but have the potential to generate far better capital appreciation than bank fixed deposits and public provident funds. Mutual funds are a great investment tool that allows retail investors to generate capital appreciation over the long term. These are market-linked schemes that predominantly invest in equity and equity-related instruments of publicly listed companies and across various money market instruments like government bonds, company fixed deposits, debentures, treasury bills, etc.

Mutual fund investors have the option of either making a lumpsum investment or opting for a Systematic Investment Plan. Systematic Investment Plan or SIP is an effective investment model that allows retail investors to save and invest a fixed sum periodically in mutual fund schemes. All an investor has to do is complete all the reinvestment formalities, decide on the monthly investment, and decide a date on which they wish to invest. After this, every month on a fixed date, a predetermined SIP sum is debited from the investor’s savings account and electronically transferred to the mutual fund.

Mutual fund investors who wish to start their investment journey by starting a SIP in mutual funds can also refer to the SIP calculator, a free tool that is easily available online. Let us find out more about this free calculator and how investors can use it to their advantage.

What is a SIP calculator?

As mentioned earlier, the SIP calculator allows investors to estimate the total returns that they will receive at the end of the SIP investment journey. Investors must understand that these are just approximate returns and original returns can vary. The SIP calculator doesn’t consider the expense ratio while showing the results.

How does the SIP calculator work?

The online SIP calculator is based on the following formula:

Here’s the formal on which the SIP calculator is based:

M = P × ({[1 + i] n – 1} / i) × (1 + i)

Where –

  • M’ represents the total sum that you receive upon maturity
  • P’ stands for the sum you invest at periodic intervals
  • n is the number of monthly SIPs you have made during your investment journey
  • i refers to the periodic rate of interest

How to use the SIP calculator?

SIP calculator can be goal-based or it can be based on the amount an investor wants to invest and see how much wealth they can create in the long run.

If you are using a goal-based calculator:

  • Input the corpus that you want to achieve
  • Input the number of years/months you have in hand to achieve that corpus
  • Input the expected rate of return

The calculator will show the SIP sum that you need to start investing regularly to achieve that corpus over the stipulated period.

For example, if you wish to build a corpus of Rs. 10 lakhs in the next 5 years to achieve one of your financial goals and you expect the mutual fund scheme to deliver an average annual return of 8%, a monthly SIP of Rs. 13,160 should be enough for you to achieve that goal.

Now if you want to use the SIP calculator to find out how much wealth you can create you need to input:

  • The amount that you can invest per month
  • The number of years/months you wish to invest this amount
  • Expected rate of return

The SIP calculator will show your initial investment sum and the wealth that you will create.

For example, if you invested Rs. 5000 for 1 year and with an expected rate of return of 12%, your invested amount will be Rs. 60,000 and the total wealth created will be Rs. 63,413.

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Benefits of Using Crypto Exchange

Thanks to modern technologies, we now can get access to various services or products that we couldn’t get in the past. Yes, cryptocurrency is liberating due to the basic principles of the work of blockchain technology.

It’s difficult to find a person today who wouldn’t know about the existence of digital money. Most people follow crypto news to sell one coin and buy another to increase their profit. For example, when exchanging eth to btc, or usdt to doge, etc.

Most modern people have cryptocurrencies in their wallets. But what to do if you want to gain another type of crypto coin? In this case, you have mainly 2 options:

  1. Mine currency you want.
  2. Exchange fiat money (or available digital coins) for the cryptocurrency type that you wish to receive.

The easiest way is, of course, exchanging one type of currency for another. Mining is a difficult process that mainly requires a ton of electricity and expensive equipment. You also need to figure out which pool to join since it’s more difficult to mine alone. And there are other difficult things to take care of when it comes to mining.

And that’s why most people prefer exchanging! Check out the article to learn more about how crypto exchanges work and how to use them.

How do Crypto Exchanges Work?

The idea is simple, similar to the way ordinary exchanges work, but without huge fees. To start exchanging, you need an account. To create one, you will have to prove your identity. No information about you will be released or sold/transferred to third parties, but ID verification is required to prove that you are a real user. It’s also a protection measurement.

When you have the account, you simply choose what currency you want to sell and what type of crypto money you wish to receive. Then you just choose the number of coins to trade, and you will see how much you get in return for the currency you want to receive.

Depending on the type of platform you use, you pay a higher or lower fee. If it’s a p2p, the fees are lower, but you can’t exchange whenever you want. With centralized platforms, you pay a bit more but may exchange anytime you prefer.

Why Use Crypto Exchanges?

Here are just a few reasons why it’s more beneficial to exchange than to mine:

  • No expenses on electricity, mining equipment, etc.
  • You can quickly sell or buy coins you need considering the market situation.
  • It’s extremely easy.
  • Most platforms work 24/7.
  • It’s safe and convenient.

A crypto exchange is one of the best ways to invest in a currency you prefer. It’s easy, convenient, and doesn’t require any effort!

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The perks of Forex bonus program – different types of Forex bonuses

Forex trading is booming these days. And brokerage companies are fiercely competing to attract clients through various bonus programs. That’s why we would like to remind you of the different types of bonuses applicable in Forex trading to make the most of your trade.

1.  The initial / welcome bonus

The Instant Bonus is often the juiciest bonus in Forex trading. It’s a type of bonus immediately added to your Forex account. For example, you get into Forex trading with an initial capital of € 1,000 on a platform offering an instant 20% starting bonus.

Your Forex account will therefore be opened with an initial capital of € 1,000 plus 20% (€ 200), for a total of € 1,200.

It is generally accessible at a specific rate for any seed capital investment.

Some brokers like LBLV offer quite massive welcome bonuses of 30%. So get a sneak peek into LBLV review for more details about their trading conditions and bonus offer.

2.  The pending bonus

The pending bonus is a bonus that cannot be used immediately for trading. Instead, you have to trade a certain number of positions to unlock it.

Once unlocked, you can then either cash it in or reinvest it. For example, a broker may offer you a pending bonus of 30%, which you will only be entitled to from a certain negotiated amount.

These bonuses may seem less attractive because they are not immediate, but they are often higher and more attractive in the long term. Remember that even if Forex trading relies on the foreign exchange market’s volatility, investments in Forex are generally made over the long term, the time to learn all the strategies necessary for a safe and less risky investment.

3.  The no deposit bonus

The No Deposit Bonus is the only bonus in the Forex world that takes the form of real money. Like the instant bonus, however, you must trade a number of positions before you can cash it out.

However, brokers rarely use it because it does not encourage you to reinvest with them, which is against their interests. It is therefore generally used for purely marketing purposes. It is, therefore, necessary to be wary of it.

4.  The reload bonus

Finally, the reload bonus, uncommon, is the promise of another bonus from the broker in exchange for a new deposit from you.

It’s generally accessible to regular clients. For example, your broker may offer you a 25% reload bonus for every deposit. It’s an instant bonus that you will be entitled to with every deposit.

This bonus can be very interesting for experienced traders who are already familiar with effective strategies in Forex.

What are the benefits of bonuses in Forex trading?

First of all, you can trade bigger lot sizes. More invested money, more return you can expect. Furthermore, you can use more leverage.

Finally, if you just aim to explore the trading platform and brokerage service that interests you, using a bonus on a small deposit opens you more wiggle room for testing. Also, you can better test trading outcomes and strategies along with testing the withdrawal process.

Last but not least, always read carefully trading conditions regarding the bonuses to make sure you understand the rewarding system of a specific brokerage platform.

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Profit Management Solutions LLC: 5 Signs You Should Hire a Business Consultant

Many business owners feel that they should manage every aspect of their business themselves. After all, they have an intelligent work team. However, in many cases, a business can benefit from a business consultant. Profit Management Solutions LLC is here with 5 signs that your business could benefit from a business consultant.

1. Your Business is Stuck

One telltale sign you need a business consultant is your business being stuck or stagnant. If you are holding steady but aren’t growing, a business consultant can get things moving again.

You may also find your company is in a rut. It’s easy to fall into the trap of doing the same things the same way simply because that’s what you are used to doing. If it’s not broke, don’t fix it applies to many things. However, when it comes to business, there’s often room for improvement.

2. Your Business is Growing Exponentially

Profit Management Solutions LLC explains that a period of high growth is a time you really need a business consultant. Your business is going through lots of changes. From the inside, it can be difficult to manage all the changes, particularly when you are handling day to day operations.

A business consultant will have a different perspective. They can recommend ways to streamline your processes and manage your growth.

3. Frustrated Employees

In recent years, studies have revealed how important employee satisfaction is. In fact, highly satisfied employees boost profits by 21%.

If your employees are frustrated, it’s because something isn’t functioning as it should. Your employees may not feel appreciated. They may be overworked. They may be unsure about what their duties are, and who should do what.

All of these issues can be solved by hiring a business consultant. A business consultant aims to improve the way your business operates. They can help you delegate work, make suggestions for boosting employee morale, and make everyone’s workday a bit easier.

4. Losing The Company Vision

If you are so caught up in the day to day operation of your business that you are losing your original vision, Profit Management Solutions LLC believes you need a business consultant.

They can help you figure out where you are, and where you are going. Company direction and culture are key to a successful business. Your vision and culture will be unique to your business, but you don’t have to figure it out by yourself.

5. Too Many Projects at Once

Do you undertake a project, and move on to another one before it’s completed? Do you jump at every new business opportunity, without doing enough research to decide if it’s a fit for your company?

Profit Management Solutions LLC notes that a business consultant can help you manage current projects and determine which ones are worth completing. They can also help you evaluate business opportunities, and know which ones will be profitable for your company.

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An Introduction to Alternative Payment Methods

It’s easier to pay transactions online these days due to the many alternative payment methods available. You don’t need to have a credit card to shop online. Business owners can also benefit from it since they can offer choices to potential customers. As soon as consumers decide to buy something, they can choose from different payment methods.

For online casinos like for example these additional and alternative payment methods help. You can continue playing even if you don’t have a credit card. Check the alternatives accepted by your chosen casino company, online store or gaming platform.


This alternative payment method has been around for a while. It helps pursue an easy transaction. You can connect it with your bank account or credit card. You may also fund PayPal itself and use the amount for different transactions. Since it’s a popular payment method, expect it to be applicable across platforms. Whether you play online casinos or buy from an online store, PayPal is perfect for you. There are a few downsides, though. Some transactions might require hefty fees. It also takes a while to move funds from PayPal to your bank account. Check with your bank first and read the fine print before using PayPal.

Apple Pay

This secure payment method is compatible with all iOS devices. It’s becoming more popular since many people have iPhones. Since most people shop online using smartphones, Apple Pay comes in handy. It helps keep payment information on the cloud. You don’t risk getting your secure details compromised. When you already decide to checkout, it’s convenient.

Amazon Pay

There’s no doubt about how big Amazon is, and it’s only getting bigger. Customers will feel convenience when using this method. It eliminates the need to type card information and other unnecessary details. Millions of people have already started using Amazon Pay. Since the company is one of the largest e-commerce platforms, it’s easier to use it for online purchases. For business owners, it’s also a significant boost. Since most people already have Amazon Pay on their phones, you will earn more customers if you use it.


Cryptocurrency remains a controversial payment option, but it’s popular. It’s a self-regulated currency that only applies to online transactions. You can’t use it as often as you want as stores accept Bitcoins. However, these days, many physical stores already accept Bitcoins for payment. Other cryptocurrencies are also following Bitcoin’s strategy. The problem is that Bitcoin’s value fluctuates, and it’s not a recommended mode of payment for the weak of heart. Several Bitcoin owners also sell what they have, and it pushes the cryptocurrency’s value even more. Many people ended up losing more in the past because they continued using Bitcoin. However, if the online store accepts this payment method, the process will be over in a few minutes.

The point is that you don’t need to worry about paying online if you have to shop for the things you need. You don’t need to bring cash or a card with you, either. Even if you only have your phone with you, any transaction can push through.

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The Benefits of Investing in Your Twenties

Many young individuals appear to prefer deferring investment decisions until their financial situation becomes more stable, at least theoretically. Even with college debt and poor earnings, twenty-somethings are in a great position to enter the investment industry.

  • Time

While money may be scarce, young folks do have one advantage: time. There’s a reason Albert Einstein dubbed compounding, or the ability to expand investment by reinvesting returns, the “eighth wonder of the world.” Compounding allows investors to build wealth over time with only two requirements: the reinvestment of earnings and patience.

By the time the investor was 60, a $10,000 investment made at 20 had grown to almost $70,000. (based on a 5 percent interest rate). By the time you’re 60, a $10,000 investment made when you’re 30 would have yielded around $43,000, but a $10,000 investment made when you’re 40 will only get $26,000. Money can generate more wealth the longer it gets put to work.

  • Take further risk

The age of investment affects the risk that it can bear. Young people may afford to take more risk in investing activities with years of earnings ahead of them. While retired persons often gravitate to low-risk or risk-free assets, including bonds and deposit certificates (CDs), young adults can develop more aggressive portfolios that are more vulnerable and able to generate good profit.

  • By doing, you will learn.

Young investors have the freedom and time to learn from their triumphs and errors while studying an investment. Young folks have an edge since they have years to go through the markets. They develop their investing methods, as investing has a long learning curve. Younger investors can overcome investment blunders because they have the time to recover, just as they can tolerate more risk. Gurbaksh Chahal suggests the best options.

  • Technologically savvy

The younger generation is technologically literate, studying, researching, and implementing internet investing tools and approaches. Online trading platforms, chat rooms, financial and educational websites give chances for fundamental and technical research. Technology, such as online possibilities, social media, and applications, can help a young investor expand his knowledge, experience, confidence, and expertise.

  • Human Resources are a valuable resource.

Human capital can be thought of as the current value of all future incomes from the standpoint of an individual. Because the ability to earn a living is a prerequisite for investing and saving for retirement, investing in oneself—by gaining a degree, receiving on-the-job training, or learning advanced skills—is a worthwhile investment with a high return. Young adults frequently have a plethora of possibilities to improve their ability to earn good future salaries. According to Gurbaksh Chahal, taking advantage of these opportunities might be regarded as one of many types of investment.

Making well-planned investments isn’t just about saving for retirement. Many deposits, such as dividend stocks, can provide a steady source of income for the duration of the investment. Time, the ability to weather more risk, and the potential to boost future wages are advantages that twenty-somethings have over those who wait to start investing. Even if you have to start small, it is in your best interest to get started as soon as possible!

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What glitches should a robust forensic watermarking solution address?

The video streaming market faces the continuous challenge of warding off sophisticated piracy attempts on streams of premium video content. OTT platforms and major Hollywood studios prefer to combine a multi-DRM approach with forensic watermarking solutions to authenticate users and trace piracy.

However, OTT platforms are global companies that have to manage their IT infrastructure across the globe, which puts pressure on the anti-piracy measures and lead to many glitches. In the case of video watermarking techniques, the content delivery platform can take the following precautions to ensure that the system stays robust against global attacks as well as offers smooth delivery to the user across geographies:

  • Optimize metadata files: A content delivery platform should ensure that its storage and bandwidth footprint stays low. For effective forensic watermarking, the platform should keep the metadata at the edge server, which writes unique data after ascertaining the user to which a particular video file will be delivered. The metadata approach is lighter on resources than duplicating the whole asset and saves bandwidth both at the server and the client’s end.
  • Cache optimization: Delivery platforms should consider shifting to bitstream-based watermarking technology rather than choosing the A/B variant option. If a single variant of the video asset is processed by the CDN, its cache can be optimized with a longer life, thus increasing the delivery speed.
  • Faster embedding process: Delivery platforms should optimize the watermark embedding process, as speed is of critical importance in the streaming space. No user likes to wait endlessly for the video asset to buffer after making a query. The delivery platform should choose the adaptive bitrate segmentation for faster watermark insertion and opt for a vendor that inserts watermarks in single chunks.
  • Network security: The delivery platform should ensure that all critical operations of watermark embedding in DRM protect content take place on the server rather than on the client device, since it is more difficult to attack a server than the client device.

These precautions can not only ensure a faster watermark embedding process, it also spruces up the security of the asset in combination with multi-DRM application.

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The best place to sell a diamond ring

The diamond ring is a precious gift associated with wealth and luxury. They are expensive jewelry that is commonly used as a sign of engagement. They come in different styles like for instance: the halo style and the solitaire. Finding a place to sell a diamond ring can be difficult and also emotionally challenging. Various reasons can make one sell their diamond ring. Some of the issues include divorce issues or even debt. The best place to sell diamond rings is online.

The following tips will help you find the best diamond buyer online

  1. Be keen to ensure the buyer’s policy entails the estimated price. You can compare the buyers to find the best one for you. Many companies offer exaggerated estimates for marketing only.
  2. Search for the companies with incredible ratings. Get to know the reviews when choosing of selling the diamond ring to them.
  3. Confirm if the company is certified and uses the necessary equipment certified by your country or state.
  4. Know the key determining factors of your diamond ring. These factors include the 4 cs, namely cut, clarity, carat, and color. Cut refers to the shape of the diamond ring. The cut from the original gemstone will determine how light reflects from the ring. The cut is normally graded from excellent t poor. Clarity will be determined using a 10x magnifying lens. Clarity will be graded from I to IF. I am in the poorest grade while IF is the best grade. Carat will be determined by measuring both the height and the weight of the diamond ring. Diamonds ring can range from colorless to heavy color. The colorless ones are the most expensive as compared to the heavily colored ones. You can easily confirm the color of your diamond ring by holding it against a white piece of paper.

The best way to confirm if you are getting the best price for your diamond ring is to be knowledgeable about the value of your ring before selling it. Have a research about your diamond ring and have an idea about how much it is worth. Once you set the realistic price, you will be able to sell the diamond ring with a lot of confidence.

Advantages of selling a diamond ring online

1.     Cost-saving

You can easily sell the diamond ring from the comfort of your home without incurring unnecessary travel expenses. You do not need to go to the jewelry stores or pawn stores to get an estimate. All you need to do is to ship the diamond ring and wait for any offers to come.

2.     Easy comparisons

You can compare different online potential buyers using your web browser. You do not go to the jewelry stores to make the comparison.  This will make you make as many comparisons as possible.

3.     Up-to-date pricing

The online option provides easy access to updated diamond pricing information. This makes it possible to undertake any necessary adjustments. You can decide to increase the price based on the update on pricing.

Final words

In conclusion, the best place to sell diamond rings is online. The above article clearly illustrates the advantages and some tips to adopt when selling online. Selling via the online option is safe as compared to selling to jewelry stores.

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