January 2021


How using PDF will be helpful for you? 

We will see multiple online sites utilized by corporations to expand their businesses. Online market networks are starting to develop in this 21st century. Online marketers or online entrepreneurs use PDF to exchange details in order to maintain a profitable online organization running.

PDFs are beneficial for an online organization, as PDFs include client documents, receipts, reports, etc. In 1991, or PDF, the Portable Paper Format was developed. Nevertheless, in several industries, it is used. Before inventing the PDF, several machines and their operating systems were able to modify the format of a file. PDF are created in order to protect the data or text as it is converted. For companies, the use of PDF offers a range of advantages, particularly online.

If you have an eCommerce business, you will find considerable benefits from reading this article. In addition to recommending using the pdf editor, in this insightful post, we have addressed some major advantages here.

The format system is good 

A text’s consistency and integrity depend on its simple parts. They may be distorted as the operating system transfers details from the operating system. Assume that when converted to an Excel spreadsheet, a word document will sacrifice a lot of flexibility. But in both places, PDF appears to maintain the same file type. On any OS which supports PDF, you can use it. That is not a problem since documents do not have to be converted. Any mutual PDF file retains text to maintain image integrity.

A stable method to convert the file 

Preserving corporate records is of vital importance. The holes can slip to advertisers or, worse, cybercrimes through private data exchange information. Know that PDF files appear to all be password-secured. This additional move needs to be covered by data and allows access to designated persons. In order to keep business records confidential, a safe password is necessary. We have found out from several studies that a correct password can include lower and upper case letters with numbers and special characters.

Compatible Format

For exporting from one platform to another, PDF is a more reliable file type that is compatible with every device you will use. A PDF file is a lightweight computer-to-smartphone journal. Downloading and reading PDF articles is very convenient for individuals. With only one click on your screen, you can use the PDF file when you are still remotely running your company. PDF is one of the most flexible tools for document sharing that almost any laptop or portable computer complies with.

Room for development

PDFs can compact files into a simplified file structure independent of the initial folder size. To begin with, compared to text, PDF is usually a more advanced format to use, which is why converting HTML to PDF is necessary. Conversions like c# pdf are quick to create from HTML. Only now does it allow space for further company paper filing with the ‘edit pdfonline’ process. Finally, it doesn’t mess with its consistency even if PDF compresses papers.


A large variety of business records, including logistics, production, purchasing, sales, etc, are kept by online firms. It is expensive and time intensive to maintain printouts of these papers, which is why online viewing of records is also simpler. It is cost-effective to use PDF editor.

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What is IDV and NCB in Two-Wheeler Insurance?

Two-wheeler insurance works as a protection for your bike. It is an optimal way of protecting your bike against the damage that occurs because of an unfortunate incident. Apart from repairing costs, the policy can also provide you with protection against any third-party liabilities which arise due to injuries caused by your bike to other vehicles or persons. You will have to make premium payments to the insurance company for a specific tenure for financial protection. Two important factors that affect the premium you pay towards the bike insurance policy are Insured Declared Value and No Claim Bonus.

Let’s understand them in detail:

What is IDV or Insured Declared Value?

IDV or Insured Declared Value is the highest sum assured that you could get from your bike insurance policy if your two-wheeler is badly damaged or stolen. IDV is the current market value of the bike. If your bike has suffered a total loss, then IDV is the compensation that the company will provide you. The calculation of IDV is done by taking the manufacturer’s selling price and deducting the depreciation cost. The cost of registration and the insurance policy is not included in the calculation of IDV. If you have added certain accessories to your bike separately, then the cost for those will be added to the IDV.

People often opt for a low IDV to get cheap bike insurance in India; however, this could be a drawback when it is time to file a claim for the loss or damage to your bike.

To make the calculation easy for you, a lot of insurance companies provide an IDV calculator online. This calculator is a tool which helps you determine the market value of the car. Some of the factors considered for the IDV calculation are your vehicle’s age and its depreciation. When buying an online two-wheeler policy, the calculator can be of great help for comparing different plans.

With the age of the bike increasing, the IDV of the bike reduces. The formula for calculating the IDV of a two-wheeler is defined below:

Insured Declared Value = (manufacturer’s selling price – depreciation value) + (cost of bike’s accessories which are excluded from selling price – the accessory’s depreciation value).

What is NCB or No Claim Bonus?

A No Claim Bonus is a discount feature on the premium amount that you get from the insurance company. This discount is provided to you if you have not filed for a claim. The No Claim Bonus can be accumulated over the years from the starting date of your policy. You will get to see the discount in effect when you renew your 2 wheeler insurance. The discount range provided through this feature is between 20 – 50%. This feature encourages the policyholders to drive safely. In a way, the insurance company gifts you with a discount as an incentive to drive safely.

The No Claim Bonus works on an annual basis. The discount is applied only on the own damage cover and is not for third-party liability insurance. The discount rate of the No Claim Bonus increases every year you don’t file a claim. But it will turn to zero as soon as a single claim is made, regardless of how many years you restrained yourself from filing a claim.

Consecutive years of not filing a single claim No Claim Bonus % on the OD Premium
1 20%
2 25%
3 35%
4 45%
5 50%
More than 5 years 50%

A major advantage of maintaining the NCB is that it is completely transferable. So, if you switch to a new insurance company, the NCB discount will be transferred with you to your new policy. For instance, if you have earned a discount of 35% and switch insurance companies, then your NCB discount will be transferred to your new insurer. For a transfer like this, you will need to follow specific terms and conditions, such as renewing your insurance policy before its expiry.

Tips to accumulate your No Claim Bonus:

  • If you have a bike insurance policy, you can earn a No Claim Bonus on it by not filing a claim during the policy year. While this does not mean that you always pay for the bike’s damages, you can take care of some minor expenses instead of filing a claim.
  • Being a safe driver on the roads can be beneficial as your bike will always be safe from harm. That way, you won’t have to file a claim during the year.
  • Sometimes, other vehicles can cause damage to your bike, which may be parked on the roadside, as a result of which, you may have to file a claim for the damages. But if you ensure to park your bike only in designated and safe parking zones, then you will be able to keep your bike free from harm and have a claim-free year!


Lastly, the Insured Declared Value and the No Claim Bonus play a vital role in deciding your bike’s insurance premium. While the right IDV will help you cover the cost of a stolen or badly damaged bike, the benefits from the NCB will help you save money on your insurance premiums.

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Business & Trade

Finding The Best Site To Download Ledger Live For Crypto

Tech-savvy and advanced investors are moving quickly to the new way of investment available in the form of cryptocurrency. The profitability rate and the enhanced security feature encouraging more and more people to buy these digital currencies. However, users were finding it difficult to store and retrieve the bought tokens. Thankfully, developers came out with a smart and helpful solution by introducing the option to 다운로드 렛저 라이브.

Features of a great ledger provider

However, it is to be noted that random and careless installation may be prone to virtual threats and even unnecessary hassles. A smart and wise investor must act prudently before downloading a ledger keeper. The following features will ensure an easy and safer experience.

  • Guaranteed Safety- Any online transaction is always coupled with the user’s privacy and transactional security. Everybody must go through the privacy policy of the ledger provider. Check whether the provider offers 100% safety and SSL encryption. Absence or compromise with safety features is highly risky. 다운로드 렛저 라이브 only from safety guaranteeing providers.


  • Supports Multicurrency- People are now interested in buying different types of cryptocurrencies. Many times a ledger only supports specified categories that may become annoying later. It would hamper the wish to invest in other profitable currencies that are not ledger-friendly. Hence, always choose the software that accommodates undefined types.
  • Smooth Sync- Every cryptocurrency has an official site where the buyers have to create an account. Hence, the ledger provider must keep in mind synchronizing the user’s crypto account with the concerned ledger. Otherwise, it will be cumbersome to not have auto-updates in the ledger. One must prefer to 다운로드 렛저 라이브 where sync and safety are offered.


  • Real-Time Updates- For any investor, it is indispensable to update their devices as and when they occurred. Any software will be of no use if it cannot give instant notifications. Check for the reviews posted by existing users or contact the customer care to check about this feature if it is not discussed on the ledger’s official site. A real-time update is a crucial feature to look at.

A ledger provider may come up with other benefits like hardware wallet keys for more security. Such points will always be brownie points that can enhance the user experience.

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Business & Trade

What to Look For When Looking For a Professional Portrait Artist

Portrait paintings, especially of the rich and famous, are very expensive and a very exclusive category of artwork. This is why it is always wise to have the best in the town when it comes to portrait paintings. However, finding a professional portrait artist for your projects can be difficult. But there are a few things you can do to find a professional who will be able to deliver the art that you want.


A good place to start is by asking around, among your friends and colleagues for referrals of their professional paint by numbers custom artists. The good thing about this is that you’ll be able to get some good names of portraitists with whom people can agree and then go to see their works.


Of course, the best way is to get an image catalog so that you can look at the styles and designs that are currently popular and choose the one that best fits your tastes.


Once you have a list of potentials, go to each artist’s studio and meet them personally. Bring along a portfolio or sample of the type of work you want to have done and ask the artist if he would be willing to consider doing what you want.


Most professional artists would be more than willing to consider your request, provided that they are provided with all the necessary information regarding your requirements and the price that is appropriate to your budget. It helps to make a price list so that you’ll know clearly whether you can afford the portrait.


If you are planning to get a portrait from a private artist, you can use the same technique as if you’re getting a portrait from a professional, which is networking. Ask your friends, family members, colleagues, and neighbors about their artists.


A good reference could mean the difference between a great artist and one who will produce a shoddy job. Another good idea is to go to the National Association of Interior Designers (NAD) exhibition. This is the largest and most important trade show for the profession in the US.


There are many talented people in the world, but there are also many painters and artists who are not good at their job. This is why it is very important to hire a professional. A good portrait reflects the artist’s true style and personality. You should feel comfortable communicating with him or her. Also, an artistic portrait speaks of the quality of the photographer’s work.


Once you’ve decided on the professional that you’d like to have to take your portrait, it’s time for you to select the type of portrait that you’d like to have done. Professional photographers are good at taking photographs of people in all types of environments indoor and outdoor, candid, and group photos.


If you are going for a professional photographer, it is important to let them know about all the details of your concept so that you’ll both be on the same page regarding the final image.


Remember, a professional photographer won’t be able to take candid pictures. So, when you are doing your research, keep all these things in mind. A good portrait will speak more about your photographer than any other thing.

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Improve Meeting Experience With Virtual AGM

Business firms are blooming nowadays with the help of technology. The services provided for the companies are many like virtual platforms and applications. It is necessary to attract the clients and investors for better growth of the company. Compared to conducting meetings at a venue or a conference area, improved participation can be achieved, with virtual meetings. The cost of the meeting can be reduced, and also the clients will be impressed. Using technology for improving business like virtual AGM can attract investors.

Secured experience with virtual meetings

If a company plans to conduct a meeting at a venue, it might not be suitable to carry out confidential tasks. Virtual platforms are not the same in this aspect. The best meetings can be conducted, only through virtual AGM. With a secured environment, more engagement is also expected. Reputed companies that value security more than anything else will find this attractive.

The meeting can be closely monitored, for not allowing third parties to join the meeting. The experience that one can gain is unique as there are poll systems to encourage members to tell their opinion. Companies can leverage their standard by conducting virtual meetings. Get more recognition among other companies by introducing a new way of arranging meetings in the company.

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