Author: Robert B. Wilfong

Importance of Asset Allocation in Retirement Planning

After retirement, every individual seeks financial freedom from various financial liabilities; be it a home loan for your house, or a personal loan for education or marriage. In addition to debt-free golden years, one also wants a stable income in the absence of their primary source of income. The increased medical bills for yourself or your spouse as your age increases can weigh you down. To meet these urgent medical requirements, it may require you to dip into your hard-earned savings. Since no retired person wants to be a financial burden on their dependents, it is important to plan the finances for your retirement.

A retirement plan is a systematic approach to accumulating sufficient corpus that comes in handy to meet all your financial needs at the time of your retirement. These funds can be used to meet your retirement goals like travelling or even supporting medical expenditures that may be required with age. Early retirement planning helps to take risky bets to grow your corpus while gradually moving to safer investments as you near the retirement age. Retirement planning ensures that your future requirement can be met using all the money that you save during your earning years. Moreover, considering inflation in your retirement plan will give you an edge in accounting for the depleting value of your money. Hence, it is necessary to have a large corpus. With a robust retirement plan, you can have a substantial financial base for yourself and your spouse by the time you retire, to fulfil all your dreams.

Asset Allocation in Retirement Planning

Among the different considerations in your retirement plan, the right asset allocation is a critical one. The overall returns that your investments will generate are directly proportional to the type of assets you choose. These investments can generally be equity-linked, debt-linked or a mixture of equity and debt.

The equity-linked investments have the feature of ownership of stocks that are listed by different companies. For instance, you can invest in stocks that belong to the energy sector, telecom sector, or even the FMCG sector.

Debt-linked investments, on the other hand, do not seek ownership in the company. Instead, these investments are a loan for the company that offers a fixed interest in return.

Hybrid investments are a mixture of the equity instrument and the debt instrument. The ratio of equity and debt depends on the specific instrument that forms part of your retirement benefits.

Allocating the right proportion of investments in three of these categories spreads the risk of your overall retirement fund. Thus, stability along with growth can be sought when you diversify your portfolio. Here are three ways to diversify your retirement portfolio.

  1. Equity allocation

Equity allocation is where the investments are apportioned towards the high-risk investment in equity instruments. Retirement benefits of an equity allocation are that the returns are highest in the case of equity allocation, but with a higher risk attached to it. Financial experts recommend staying away from 100% equity allocation if you are planning for retirement late in life due to their volatile nature. However, for young investors, it can be an effective way to increase your overall corpus and plan for retirement.

  1. Debt allocation

Allocating the investment funds towards debt-linked instruments like corporate bonds, and government bonds is an effective way to lower the risk for stable returns. Some of the debt allocations are government-backed, making them the safest alternatives; however, investment in corporate bonds does carry its share of risk. But this risk is minuscule in comparison to equity investing. Debt investments are an overtly safe way to plan for retirement and may not be an ideal choice if you have a long time, say decades, to plan for your future. Instead, it is a smart way to mitigate risk and seek growth for individuals that are nearing their retirement age.

  1. Hybrid allocation

Hybrid allocation is a more balanced approach to investing your retirement savings in both equity and debt-linked instruments. Under this allocation, the risk and returns are far more balanced as compared to extremes in the case of complete equity or debt allocations. A hybrid portfolio allocation facilitates stable growth while mitigating risks.

A retirement calculator is a nifty tool that you can use to decide which allocation should be made in your retirement plan. Setting a corpus goal in the retirement calculator over the investment horizon helps to identify what kind of investments you need to seek to achieve your financial goal for retirement.

Car Insurance Quotes: Everything You Need to Know

For a country with the second largest population in the world, India has about 295 million vehicles on the road. Despite having such a low number of vehicle ownership, India ranks at the first place globally when it comes to road accidents, according to a World Bank report. With about 4.5 lakh accidents and 1.5 lakh deaths, India accounts for 11% of the road accidents in the world. Although the number of accidents can be reduced if vehicle owners follow all the rules and regulations and maintain road safety, predicting or avoiding an accident is impossible. *

If you are a car owner, you would want your loved ones to be protected from various perils on the road. It is possible to have a financial safety net from such unfortunate circumstances in the form of a car insurance policy. But before you purchase car insuranceright away, you need to be aware of car insurance quotes and why they are important when purchasing your policy. *

What are car insurance quotes?

A car insurance quote is basically the estimated premium that you would have to pay for the insurance you plan to buy. Depending on the type of insurance and the insurer, the quotes may vary. The quotes for third-party car insurance are standardised and fixed for all insurers by the regulator, the IRDAI. However, the quotes for comprehensive four-wheeler insurance varies from one insurer to another. * You can visit the official website of IRDAI for further details.

What are the factors that affect car insurance quotes?

There are various factors that you should keep in mind which can affect car insurance prices:

  1. Type of policy

As mentioned earlier, the quotes for comprehensive car insurance might cost more due to the dual coverage it provides, i.e., to the car owner and the third party. Also, add-ons offered in a comprehensive policy also increase the cost that you will have to pay towards it. *

  1. Type of car

The type of car that you own has a potential impact on the car insurance quotes. The car’s make, model and the variant affect the quote. Also, the type of engine that your car has is a factor that is considered by the insurer when presenting the quotes. Petrol cars have lower quotes compared to diesel cars due to the high maintenance cost of a diesel car. If your car falls in the hatchback segment, the quote will be lower, whereas the quote for sedans, SUVs and MUVs will be higher. *

  1. Your driving track record

Insurance companies consider the driving record of the applicant when giving a quote for the policy. Drivers who have a good track record without any accidents involving their cars will be charged less by the insurer. On the other hand, if you are a driver whose car has been involved in a few accidents, the quote will be higher. This estimation is done on the basis of your claim history and survey of your car. *

  1. The area where you live

The geographical location of the applicant is one of the main factors that can impact the pricing of their insurance plan. If you happen to live in an urban area with dense traffic conditions and a higher number of accidents, the insurance quote will be higher. If your place of residence is in a flood-prone area, the insurer will charge you more. *

Why is it important to check car insurance quotes?

It is always better to have an idea about how much you might have to pay for a service that will safeguard you and your family from on-road mishaps while at the same time protecting you from the liabilities that could arise from an accident. Having prior knowledge can also make you aware of what you are being charged for by the insurer and if you are paying more than what the competitors are charging for.  *

It is always advised to compare quotes of different insurers before you purchase a policy that suits your needs. You can easily do so by going online and visiting websites of various insurers. To get a rough quote for car insurance, you can use the car insurance calculator on their website. *

* Standard T&C Apply

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

Does Your Car Insurance Policy Cover against Vandalism?

Car insurance is a legal requirement as well as providing financial protection. This is due to the mandate of the Motor Vehicles Act of 1988. While you are buying a policy to fulfill the requirement of at least third-party insurance coverage, you should also consider the various additional benefits it can offer through comprehensive coverage. The sum total of benefits you receive from your insurance coverage is determined by the type of policy purchased, the inclusions and exemptions of the plan, and other factors.

While a car may be subject to a number of risks such as accidents, natural disasters and other man-made damages, vandalism has always been a subject of doubt in the minds of policyholders. More precisely, they wonder whether vandalism will be covered when they buy car insurance online. The answer to this question lies in the insurance coverage you purchase. Before that, you need to understand what vandalism is and how it can be related to car insurance coverage. *

What is vandalism?

Vandalism is described as the purposeful destruction of a property that belongs to someone else. In the case of your car, it means damage to your car intentionally inflicted by another individual. This is a common sight during civil unrest, especially during riots. At such time,not only cars, but other personal property of the person is also at the risk of being damaged like houses, shops, etc. *

Is vandalism covered by car insurance?

Now that you know what vandalism is, perhaps the only question you might have is ‘if it is covered under car insurance?’ As mentioned above, the coverage status of damage due to vandalism depends on the type of policy you buy. *

There are two types of car insurance policies. These can be called third-party car insurance and comprehensive car insurance. Third-party policy protects you, the policyholder, from potential liability. These liabilities may arise as a result of an accident or collision where you end up causing damage to the property of a third party. In addition, the insurance policy covers compensation for the injuries or death of such a third party in the event of an accident. As a result, third-party plans cover only legal and financial liabilities. However, you can change the type of policy you have during car insurance renewal. *

Comprehensive policy is another type of insurance plan that can be purchased. This policy includes third-party coverage as well as own damage protection, which is a useful alternative to a third-party insurance plan. *

Since this type of own damage policy covers both natural disasters and human-caused activities, it also covers vandalism. With a comprehensive policy, you can reduce your pocket expenses while getting many more benefits under your insurance coverage. However, keep in mind that comprehensive insurance coverage can also affect car insurance prices. To compare how different the two types of policies can be in terms of price, you can use a car insurance premium calculator.  *

Since when your car would be vandalized is impossible to predict, having insurance and being prepared for a catastrophic event such as social unrest or destruction is the best option. If you suspect that something is going to happen, you can avoid such damage by parking your car in a safe place away from the main road. *

* Standard T&C Apply

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

Quaint Cities to Visit in Vermont

Vermont may offer all four seasons, but it’s well known that the winters here could be quite chilly. Vermont is a perfect choice if you are hoping to take a ski trip or possibly a new area to call home. Let’s talk about some cute towns to visit in the Green Mountain State.


Vermont’s state capital is a beautiful town and offers plenty for visitors and residents. From what we have researched, Montpelier is best in the fall. The colonial buildings against the backdrop of fall foliage give you that warm, fuzzy feeling. It may sound like this town is located in a rural area, but Montpelier is a suburb that is home to about 8,000 residents. It is small, yet welcoming. Many of the folks that are gathered about the city during the day are employees of businesses in Montpelier. The daytime population grows to about 22,000 during the work day due to commuters.

Since the time of the Natives, Montpelier was a natural area to gather. The Winooski River runs along the southern edge of the town. Its fields were composed of rich soil for growing corn. Many tributaries connect to the Winooski River, making the area even more desirable for settlers.

Now Montpelier is home to bookstores, movie theaters, and music venues. There is a historic district that is home to over three dozen historical buildings and structures. The Barre City and Opera House was created in 1899 and currently houses the city offices. The Old Red Mill was created in 1898 and holds a water-powered grain grinding mechanism from that historical period. If you love history, you’ll have plenty of places to visit!


For those who are interested in visiting or living in a more urban area, Burlington is an excellent choice. On the complete opposite side of the spectrum from Montpelier, Burlington is the state’s most populous city. Known as a college town, Burlington is home to the University of Vermont and Champlain College. There is a shop-local vibe downtown with many boutiques and small businesses.

Lake Champlain is a huge draw for those who are looking to visit the area. The city sits on a hill so it overlooks the lake below. If you know a little bit about history, you know the significance of Lake Champlain and it is still significant to this day. Fishing, boating, and other water sports are part of the recreational draw of the area. There are several swimming holes and sandy beaches that are perfect for a summer day to cool down.

The affordability of the area is nestled at around 50k for the average salary and 250k for the average house. You’ll notice when researching Burlington homes for sale that the schools are top-notch. You can expect to have low crime rates in this area as well. These are just some of the factors that make Burlington a wonderful place to raise a family.


Another great city that gives you small-town vibes, Rutland sits south of both Montpelier and Burlington. It offers a comfortable cost of living. There is a low crime rate and decent schools. The average house sits at about 150k, which is a great price compared to the big cities in Vermont. Downtown is walkable and the residents live a healthy, relaxed lifestyle. If this sounds like you, you should check out Rutland.

Due to its natural landscapes, you can expect many outdoor recreational activities available. Two very popular skiing resorts are nearby, Killington and Pico. These areas are flooded with snow lovers each season. Rutland can be described as being in the woods one minute, then surrounded by a small town in another second. It gives you a happy balance between rural and urban living.

With all of these Vermont cities to consider, you’ll find a new place to call home in no time at all. We recommend checking out these lovely locations in person before you make your move. You can see what these towns have to offer before you settle on your final location.

How the FinTech Industry Can Benefit from AI and ML Lead

Recent surveys show that 19% of companies established a data culture. This trend can’t go past FinTech — the collective concept of software connected to banking and finances as this industry is driven by numbers, data, and predictions. So, what will the introduction of artificial intelligence and machine learning bring to the industry?

What Is FinTech?

As mentioned before, FinTech is all software and technological solutions that in some way work with money and finances. Its goal is to make various operations with money more easily accessible, safer, or automated for both regular people and businesses of different scales. The examples of FinTech are:

  • banking apps
  • home budgeting assistants
  • crypto exchanges
  • digital short-term loans
  • algorithms for credit and insurance scoring
  • crowdfunding platforms

FinTech reshapes traditional financial services and competes with them, providing faster and more nimble solutions. Most successful startups in this field aim to provide fresh solutions for old needs, like transferring small amounts of money between people, and subsequently stealing the audience from traditional financial institutions that satisfy those needs in old ways.

Artificial Intelligence and Machine Learning

Though they sound like two separate entities, one is actually a subdivision of another. Artificial intelligence is a sub-division of computer sciences that study algorithms that mimic the process of human thinking and are called to solve problems typically solved by people. Programs that fall under this category can utilize special methods to react to inputs, learn from previous experience, and make decisions. Examples of AI tech are voice assistants (Alexa, Siri, etc.), self-driving cars, and spam filters.

Machine Learning is one of AI’s programming approaches. Instead of designing a specific algorithm for each given task in ML, a program “learns” the correct way to solve it through many iterations of trial and error. One of ML implementations, neural networks, are widely used for such tasks as pattern recognition. This specific field is very useful for FinTech as noticing trends is crucial for risk assessment, stock trading, and more.

How FinTech Benefits from AI and ML

AI/ML solutions can replace routine human labor and make it much faster as well as mine large amounts of historic data for useful insights. Here is exactly how it’s going to improve FinTech solutions:

  • Time-saving: once a machine learns to do a human job, it can perform it multiple times faster.
  • Lowering operation costs: replacing human labor with computer programs saves lots of money that can be spent on R&D
  • Always available: machines don’t have sick leaves and lunch breaks; they are always here when needed.
  • Enhancing human workers: with the help of AI solutions, employees can do their work faster and better and come up with unorthodox decisions more often.
  • Improving customer experience: AI can analyze hundreds of thousands of app and web user interactions to find fields for improvement. Also, robotized customer support assistants can take over at night time or during busy hours.
  • Fraud protection: much like spam filters, fintech ML can find patterns that correspond with suspicious activity and alert managers or take actions on their own.

To see real cases of implementing such technologies, see this article:

FinTech Companies Using AI/ML

More FinTech companies turn to AI each year, and there are already some big names among them. They include Intel Capital (Intel’s venture capital division), Numerai hedge fund, Core Scientific blockchain hosting, Riskified anti-fraud solutions for e-commerce, and much more.


AI and ML are a logical development not just for FinTech but for IT as a whole. They help drastically reduce operational costs while giving each customer a better user experience through a personalized approach. If you want to find out more about the role of AI in FinTech, check this article:

Roshtein Instagram and Other Social Networks — Concise Guide

Roshtein Instagram and Other Social Networks Roshtein is a very comprehensive yukon gold casino streamer. You can of course find it on all the games available. The Swedish streamer is particularly a fan of slot machines, you can find him for example on

  • Rise of Merlin
  • Money Train 2
  • Dog House
  • Rosh immortality Cube or
  • Legacy Of Dead.

For live casino games Roshtein is particularly fond of Crazy Time but plays very little other games (Very little Black Jack for Roshy). Keep posted on the most recent streams using the Roshtein Twitter Roshtein twitter account. In all the disciplines that you can know there are geniuses, essential personalities. Basketball had Michael Jordan, Football Ronaldo, and the online casino had Roshtein. You can’t think of slot machines or gambling without thinking of Roshtein. This gambler of Swedish origin is very discreet about his past. Indeed it is almost impossible to find information on his previous life before the streaming, even his age is still unclear. But when it comes to online slots and Twitch, Roshtein was born in 2014, when their account was created. But it will not be until 2016 that the future famous Roshtein will begin to do online casino sessions on the Roshtein Twitch platform.

Roshtein, an Innovative Casino Streamer

Ishmael Swartz aka Roshtein stream has a career that has made more than one dream. It all started on February 15, 2016. His first live casino on the Twitch platform from his hometown Stockholm. At that time there were very few gambling streamers on the American platform, and Rosh quickly managed to stand out from the rest. Little by little, Roshtein sees its community increase and becomes essential. In 2017, he decided to settle in Malta, and you can now watch the Roshtein stream from there. Despite moments of fatigue that will sometimes force our favorite streamer to take breaks away from Twitch, he has gradually exploded every conceivable score in online casino streaming. Roshtein Twitter and Twitch It is now, with staggering statistics, on top of the world in terms of casino streaming. Unmatched, and still unmatched, Roshtein has become an icon and a role model for many gamblers around the world.

Roshtein Twitch

A true showman since the first hour, the Swedish streamer is at the origin of many concepts such as the bonus hunt, which you can now see everywhere on Twitch.

Essential Tips for Getting an Accurate Property Valuation

Are you thinking about selling your property? Before you do so, you must have a valid opinion of its worth. Knowing the prevailing market price for properties in the area is valuable information that will aid buyers in making an offer or help sellers set their asking price. You can get this appraisal by hiring a real estate agent or hiring a professional specializing in property valuation. Property valuers use different methods to develop the estimated price of a property. The resulting appraisal value will help you establish the sale price of your property and help prevent overpricing it. Here are essential tips for getting an accurate property valuation for homeowners:

1.The Use of Past Sales Data

To get an accurate property valuation, for instance, when considering Property Appraisal Volusia County-based, you must hire a professional valuer who will rely on several factors to determine the price. This includes considering your home’s location, size, and condition. They may also consider buying offers from other properties in the area. Of course, this is not a comprehensive list of factors. However, past sales data is important in arriving at an accurate valuation.

2.The Inclusion of Market Comparables

You will be given the median price for similar properties sold in the area over the past three months in your property valuation. This information can help you determine if your home is fairly or overpriced. If there are no sales in the area, you will be given a comparative market analysis that will include information from other properties sold within a 100-mile radius of your home. It would also tell you whether the price for your property falls within the range of prices set by comparable homes.

3.The Appointment of a Home Inspector

Before finalizing the purchase of a property, most buyers would have it inspected by a professional to determine the overall condition of the home and whether there are existing problems that need fixing. You should also hire a valuer who will inspect your property. This is where hiring a home inspector comes in handy because it will help you determine if your property is truly worth the asking price. A valuer who does not have an inspector’s eye may inadvertently miss defects that could reduce the value of your home.

One of the most important factors in selling your home is to get an accurate estimate of its value. This valuation can be achieved through a comparative market analysis, which examines the value of your home relative to others in the same neighborhood.

What are the best features of the MT4 trading platform, and why should you use it

In online forex trading, MT4 platform has become the most popular platform. A multitude of technical analysis tools and the built-in MQL4 language for constructing indicators and trading robots make the current edition of the trading platform one of the most popular in the world today.

Here are a few of the platform’s most important characteristics that have made it so popular.

·       Automatic trading:

One of the most noticeable features when MetaTrader4 was originally released was its ability to execute trades automatically. Importing an automated trading system to the forex trading MT4 platform is still one of the most straightforward processes in today’s world of trading platforms. You may easily create your automated trading system using the MQL programming language pre-installed on the MT4 platform.

·       Easy to use:

The ease of use of the MT4 platform is yet another important characteristic. Less time is required to become proficient with MT4 than on other platforms. It offers a user-friendly UI. In a matter of seconds, you’ll be able to view your trades in charts and candles.

·       Technical analysis tools:

MT4 comes with 30 technical indicators and 24 graphical elements pre-installed, and it also supports the usage of custom indicators made by members of the MT4 community. Additionally, anyone can create new technical indicators and code plugins, a wonderful feature.

·       One-click trading:

When the MT4 was first released in 2005, one-click trading was not an option, but it was added later, and now it is a vital part of the MT4. By right-clicking on the chart and selecting ‘one-click trading,’ you may add single-click trading to your portfolio.

·       Large community:

An extensive community of developers contributes to the growth of the MT4 platform. Automated trading, market indications, and platform customization are just some of the services provided by this community of developers.

The platform’s success and growth can be attributed to its active developer community and the numerous features available on the platform.

Top 4 Questions to Ask When Re-Financing

Do you plan to go through a mortgage lender? If so, it’s important that you know what to ask. Consider at least some of the following questions so that you are educated on the process and what’s involved.

  1. What Type of Loans Do You Offer?

Talk to them about the loans that are available to you. Some examples are the USDA, Conventional, VA, and FHA loans. Be sure to ask which ones will qualify for refinancing.

  1. What Are the Types of Refinances? 

There are a few types of refinancing. This includes cash-out and rate-and-term. Once you talk to a lender about this, think carefully about the drawbacks and benefits of each of them.

  1. How Do You Qualify for a Refinance? 

Will you qualify for refinancing? This depends on a few factors. Some of the standards that your lender may have in place include your debt-to-income ratio, credit score, and home equity. Your mortgage lender can give you some kind of idea about your specific situation before you go through a formal process.

  1. Does the Company Offer Rate Locks? 

When you want to lock in your mortgage rate, you’ll need a lender who offers such a feature. It protects you against market interest rates and makes it so that your loan is more predictable.

Seek out the answers to the above and more questions with Mortgage Lenders in Las Vegas. It’s always in your best interest to know at least something before you visit a lender. This way, you won’t be overly confused during an appointment or frustrated at not being able to get exactly the offerings that you want.