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People who trade online are charged a flat fee which is dually around five dollars. Such kinds of services can give you a weath of information and financial news but almost no personalized advice. It can be a little troublesome for first time investors. Let’s read more. 

 Fees vs Commisions

Financial advisors are very used to advertising themselves as people who are fee based than commission based. A person who is a fee based advisor charges a flat fate always for managing the money of the client, regardless of the kind of investment product the client will go on to purchase in the long run. This rate usually is either in dollars or is in a percentage of assets under management. 

A commision based advisor derives his income in numerous ways like selling out investment products like annuities and mutual funds and then further conducting transactions with Top 10 Discount brokers with the money of the client. This way, the advisor gets money by selling products which have higher commissioms like universal life insurance or annuities and also by moving around the client’s money on a frequent level. 

A professional advisor gives fiduciary responsibility for the investments that serve the client’s best interests. That being said, a commission based advisor should try to steer clients towards investment options that give generous commisions. 

 What do you take back from this? 

A full service brokerage 

A full service brokerage derives most of it’s profit from commissions that are based on client transactions. A commision based advisor makes most of his money from selling and buying products on rheir client’s behalf.  When you consider s vrokerage firm or an advisor, you should look at the full list that offer commisions for the services at hand. There are numerous sites that offer to let you put your trading skills to test with their stock stimulators. On such sites you can you compete with numerous virtual traders and trade your way right to the top. Submit all the trades in a proper virtual environment before you go on to start risking out your own money. Always practice trading strategies so that when you’re almost ready to enter the real market you have all the practice you need. 

Trading is something that requires all your time and effort if you want to do it all by yourself. So always prepare yourself before you get into the game. It’s very important do your research before you go ahead and put your money online. If you really don’t have the time to invest then make sure you’re going through trust worthy stock market sources. 

Then we have the interactive brokers. These are the people who have billions in client equity and also offer some of the lowest commisions out there which are available at allmost .005 dollars a share and they charge s minimum of a dollar per trade. The broker then connects to any electronic exchange at a global level which further enables the customers that trade in equities to get more options and a better future for their loans. Customers receive a good amount of access to a wealth of tools that allow analysing and tracking of the financial markets at hand. 

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There is no other moment more painful and demanding than a moment when your loved one passes away. You feel agony all over your life and you get vulnerable emotionally. Amidst such a crucial and grief-stricken time, it gets difficult to make any arrangements for anything.

Since it is a hard time but you also must decide of funeral, it is always better to take assistance. You should check out funeral service cost and avail it. Once you have professional funeral people on your side, you can be sure that you have all the provisions. The point is these professionals have experience and expertise to ensure that your funeral tasks get performed in the most effective manner.

What can they do?

Whatever you want for the funeral, they would get it for you. Since they provide funeral services to different types of people and families; they know the in-depth details of different kinds of funereal ceremonies. You would not need to explain them anything or inform them. Just speak with them and tell them to do the tasks and they would do the needed. In this way you can be sure that your tasks get performed in the best manner.

Right from arranging the dead body van to making flower arrangements; you can be sure arrangements are done properly. These professionals have the expertise to get you the outcomes that you expect.  Even they would do the exclusive or specific kind of arrangements too to ensure that you get personalized ceremony for the funeral. Come on, you would never want to take a chance with the fun funeral arrangements of your loved one, right? You want that their last ride gets performed in the most effective and efficient manner. You want to make it memorable and special for everyone.

You attend your family

Yes, funeral is the time that demands your attention. You cannot simply get yourself engaged in funeral tasks and arrangements totally. You must talk to family members, manage the friends and relatives. In this way you need to arranged everything in a way that you can strike a balance between tasks and emotional outburst.  The way you are drenched in grief and pain, your loved ones and friends are also in pain. They also need a shoulder to shed tears. You must be somewhat strong here and give all your emotional support to the other family members too. In this way you need to supervise literally all your guests to yourself. And since you would have professional funeral services on your side, you can be at least sure that these things are taken care of. Even if you require a dead body box for the body to keep for a day, that too they would arrange.


So, while you are already drenched and soaked in grief and agony of losing someone dear to you, don’t put yourself in more stress with tasks. Let professional services take care of funeral arrangements for you. They are professionals and they won’t disappoint you in any capacity.

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Between January 2017 and January 2018, additional 7.39 million credit cards were added to the market. They are slowly gaining an advantage over debit cards due to various benefits such as cash backs and discounts, surcharge waivers, etc. 

They are also becoming a top choice of the customers due to the ease of use – you can report any problems directly on their credit card customer care number.

Having an excellent customer care facility is an important criterion you should evaluate to choose the right credit card for yourself.

There are various ways in which you should be able to contact the customer care service of your NBFC:

  • Via phone – Most financial institutions have a toll-free number you can dial to report any problems regarding your card. This number is active 24 hours a day to help you receive urgent assistance during emergencies.
  • Via email – you can email your issues at the registered mail ID of the organisation. This email is automatically forwarded to the customer care executives, who would contact you as soon as possible with a set of solutions aiming to resolve your problems. 
  • Via chats – most organisations use the modern technique of live online chats to help you with your questions. It is an effective hassle-free method with reduced delivery time. 
  • Via mobile apps – Most financial institutions have launched their official applications across various platforms. These provide online support for any issues, blocking your cards in case of loss, regeneration of PIN etc. Mobile apps are one of the most common ways in which you can submit your card related queries.   

Credit card customer care number is the most popular method of contacting the concerned authorities. The customer care executives will resolve your issues within a few minutes. 

Financial institutions providing various benefits on their credit cards mean they hold considerable market share, and thus, have an excellent customer support system. This allows the product to gain solidarity among the users, creating a loyal base, and therefore a good reputation in the market. 

There are several other benefits which make credit cards attractive. One such feature is the reward points earned during transactions, reducing your financial burden. 

The other features of Credit Card are:

  • Emergency personal loan

Several financial institutions allow the benefit of converting your unavailed credit limit into an emergency personal loan on credit card, which can be repaid in 3 instalments. The distinguishing characteristic of this feature is that the loan amount is given without any interest for up to 90 days. 

  • Interest-free cash withdrawal

Initially, credit cards charged a high amount of fee for withdrawing any amount of cash from an ATM. This was a severe disadvantage due to the low liquidity of the card. 

However, several financial institutions have launched an interest-free policy where no amount is deducted during any ATM cash transactions for up to 50 days. Only a nominal processing fee is charged.

NBFCs such as Bajaj Finserv provide these two benefits mentioned above with their Bajaj Finserv RBL Bank SuperCard. You can easily opt for a credit card apply online procedure on the product page of the company you want to avail it. The generation procedure is hassle-free and quick, allowing you to avail the benefits instantly.

Bajaj Finserv also provides pre-approved offers on credit cards that make availing these quick and easy. Pre-approved offers are available on home loans, business loans, personal loans, and a list of other financial products. You can take a look at your pre-approved offer by providing your name and phone number.

  • Fuel surcharge waiver

Some credit cards offer discounts on the fuel surcharge applicable to the cost of petrol and diesel. You can check the available fuel surcharge waiver on the product page or contact the credit card customer care number to know the same.

Credit cards have an added advantage of building up your credit score. For a person with no credit history, availing such a card is beneficial if you want to increase your CIBIL score to avail high credit in the future.

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