Rowen Raphael


Before opening a zero brokerage trading account, it is important to choose the best demat account provider. A demat account is a mandatory requirement for trading in stocks and other securities in India. There are several demat account providers in the market, and each one has different charges, fees, and features associated with their services. In this article, we will discuss how to choose the best demat account provider before opening a zero brokerage trading account using the right investing indices.


The first step in choosing the best demat account provider is to conduct thorough research. You should compare the charges and fees associated with different providers, and look for one that offers transparent and competitive pricing. You should also look at the provider’s track record in terms of reliability, security, and customer service. This can be done by reading reviews and feedback from other users of the provider and then knowing about how to open demat account.


The charges associated with the demat account are an important consideration when choosing a provider. Look for a provider who offers low account opening charges, annual maintenance charges (AMC), and transaction charges. It is also important to be aware of any hidden charges that may be associated with the account while opting for the investing indices.


Ensure that the demat account provider is registered with the Securities and Exchange Board of India (SEBI), and has a good track record in terms of security and reliability. Look for a provider who offers two-factor authentication, SSL encryption, and other security features to protect your account.

Customer Service

Look for a provider who offers good customer service and support. The provider should be easily accessible and responsive to customer queries and concerns. Look for a provider who offers multiple channels of customer support, such as phone, email, chat, and social media to check what is demat account.

Trading Platforms

Look for a demat account provider who offers a user-friendly and reliable trading platform. The platform should be easy to navigate, with clear instructions for opening and maintaining the account. Look for a provider who offers a mobile app, web-based platform, and desktop application for trading.

Additional Services

Consider the additional services offered by the demat account provider. Look for a provider who offers research reports, investment advice, and other value-added services. These services can help you make informed investment decisions and maximize your returns with the help of understanding stock trading.

User Experience

Consider the user experience of the demat account provider. Look for a provider who offers a seamless and intuitive user experience, with clear and concise instructions. The provider should also offer a robust FAQ section and educational resources to help users navigate the platform and understand the investment process.


In conclusion, choosing the best demat account provider is an important step in opening a zero brokerage trading account. It is important to conduct thorough research, compare the charges and fees associated with different providers, and look for one that offers transparent and competitive pricing.

Helping others and standing up for what you believe is right has always been a commendable trait. From volunteering to advocating for social reform, being active in the community makes a person an even more impactful civic leader. The same could be said for businesses. As consumers grow more socially conscious, companies are expected to be making an effort to better the world around them. It’s these initiatives that are known as corporate social responsibility, or CSR.

Check out the infographic below for more information on the best methods for aligning your marketing and CSR strategies.

Infographic provided by Points of Light, an employee volunteer program provider

If you’re a PNB customer and want to start using net banking, this post is for you. We’ll walk you through the process of activation and show you some of the features and advantages of PNB net banking. Let’s get started!

How to Activate PNB Net Banking.

Net banking is a facility provided by banks that allows their customers to conduct financial transactions via the internet. Punjab National Bank (PNB) is an Indian multinational banking and financial services company headquartered in New Delhi, India. PNB provides a wide range of banking products and services to its customers including net banking.

Eligibility and Registration.

In order to be eligible for PNB net banking, customers must have a savings or current account with the bank. Customers can register for net banking either online or by visiting their nearest PNB branch.

Activation Process.

Once registered, customers will receive an activation kit from PNB containing an IPIN (Internet Password). This IPIN needs to be used while logging in to the net banking portal for the first time. After logging in, customers will be required to set up a new password as per their preference. Once the password has been set, customers can start using all the features and services offered by PNB net banking.

Features of PNB Net Banking.

PNB Net Banking is an online platform that allows customers of the Punjab National Bank to conduct various financial transactions. Customers can use this platform to pay bills, transfer money, manage their accounts, and more.

Bill Payment.

Customers can use PNB Net Banking to pay their bills online. This is a convenient way to make sure that bills are paid on time, without having to go to a physical bank branch or bill payment center. Customers simply need to log in to their account, select the bill they wish to pay, and enter the necessary payment information.

Money Transfer.

PNB Net Banking and Kotak Net Banking also allow customers to transfer money between their own accounts and other accounts within the bank. This is a convenient way to send money to friends or family members who also have PNB accounts. To do this, customers simply need to log in to their account and select the “Transfer Funds” option. They will then be prompted to enter the amount of money they wish to transfer, as well as the account number of the recipient.

Account Management.

In addition to conducting financial transactions, customers can also use PNB Net Banking to manage their account information. This includes viewing account balances and transaction history, updating contact information, and more. To access these features, customers simply need to log in to their account and select the “Account Management” option from the menu.

Advantages of PNB Net Banking.

Net banking is a convenient way to access your PNB account and perform transactions without having to visit a physical bank branch. It offers several advantages, including convenience, security, and a wide range of services.


One of the biggest advantages of net banking is convenience. You can access your account 24/7 from anywhere in the world with an internet connection. This means you can check your account balance, transfer funds, pay bills, and more at any time of day or night. You also don’t have to worry about bank opening hours or queues at the teller window.


Another advantage of net banking is security. PNB uses state-of-the-art security measures to protect your account information and transactions. All data is encrypted and stored on secure servers. Plus, you can set up additional security features like two-factor authentication for extra peace of mind.

Disadvantages of PNB Net Banking.

Despite the many advantages of PNB Net Banking, there are a few disadvantages that users should be aware of. These disadvantages include limited services, technical issues, and security concerns.

Limited Services.

PNB Net Banking is a relatively new service, and as such, it offers a limited number of features and services compared to other online banking platforms. For example, PNB Net Banking does not currently offer loan or credit card services. Additionally, some users have reported difficulty using the platform to pay certain types of bills, such as utility bills.

Technical Issues.

Like any online platform, PNB Net Banking is subject to occasional technical difficulties. These technical issues can range from login problems to difficulty using specific features on the platform. In most cases, these technical issues can be resolved by contacting PNB customer support. However, some users have reported repeated technical issues that have not been resolved by customer support.

Security Concerns.

Although PNB Net Banking uses multiple layers of security to protect user information, there have been some reports of security breaches in the past. Additionally, some users are concerned about the possibility of their account being hacked if they use PNB Net Banking on a public computer or Wi-Fi network.


The Punjab National Bank offers a net banking service that can be extremely convenient and secure for customers. However, there are some disadvantages to using this service. Overall, the advantages of PNB net banking outweigh the disadvantages.

One of the first things you’ve probably learned as an entrepreneur is that having a solid process to acquire customers is nearly as important as delivering a great product or service.

For many businesses, digital marketing is their primary way of doing so. For them, having the right digital marketing strategy in place can make the difference between thriving and failing.

In this post, we’ll show you the five steps to create a digital marketing strategy from scratch based on your business goals and audience. And, most importantly, how to optimise it over time so that you can attract high-quality leads consistently for the lowest possible cost.

A tip here, make sure you have Google Analytics installed on your site and understand the right setup for your GA4 reports so that you can analyse your efforts.

Step #1: Get clear on your audience and campaign goals

The first step consists of understanding who your target customers are and what you want to achieve with them.

To understand your audience, ask yourself:

  • What are their demographics?
  • What are their interests?
  • What problems/goals are they trying to solve or achieve with your product or service?

Then, figure out what goals to consider when creating your digital marketing strategy.

For example, are you trying to convert your leads right away, or do you need to start a relationship and build trust before attempting it?

While a restaurant might be able to convert a customer shortly after they’ve been exposed to it for the first time, the same isn’t true for a real estate business.

Your business goals and the number of steps that your prospects have to go through before making a decision should help you determine that.

With those two things in hand, it’s time to move to the next step.

Step #2: Pick your channels

Here are the 5 types of digital marketing:

  • SEO (Search Engine Optimization)
  • PPC (Pay-per-click campaigns)
  • Social Media Marketing
  • Content Marketing
  • Email Marketing (EDM)

Each type has its pros & cons, requires different resources, and works best for certain audiences and campaign goals. To pick the best ones for you, go back to the assessment you’ve made on step one.

For PPC, social media marketing, and content marketing, you’ll also need to go a step further and decide which channels to use.

Your choice must be aligned with where your target audience spends the most time and which campaign goals each channel is best for.

For example, while Facebook and Instagram have relatively similar audiences, the former usually brings better results for conversion-focused campaigns. At the same time, the latter is great for creating brand awareness due to its stronger appeal for visual content.

Step #3: Create your communication strategy

Your communication consists of your campaign’s words, language, and non-verbal aspects. It should be adjusted to your branding and your audience’s personality and traits.

To craft it, start by learning about copywriting. That’ll teach you how to create persuasive texts that get your leads to take the actions you want while using a language that resonates with them.

Also, make sure to address the non-verbal aspects, like the colors on your ads, in a way that makes sense for your brand.

To sell a financial product, for instance, green would be a great color as it’s often associated with wealth. Red, on the other hand, can remind people of risk and danger, which would make it a terrible choice.

Step #4: Test and track results

After you’ve got everything ready, it’s time to start running your campaigns and tracking their outcomes so you can learn what’s working and how to improve them.

To track results, the first thing you need to do is define which metrics you should focus on. Again, that depends on your campaign goals and which type of digital marketing you’re using.

Some of the most common digital marketing metrics include:

  • Cost-per-click (CPC)
  • Click-through rate (CTR)
  • Email open rate
  • Sales conversions
  • Customer-acquisition cost (CAC)

Most social media platforms and advertising networks offer great analytics tools that allow you to keep track of those metrics.

You can also go a step further and use Google Analytics to grab data from your site’s visitors. Among other things, you can learn where each visitor came from and how they’re behaving on your site.

With that info, you can compare your cost per lead in each channel with their lifetime value (LTV), which is the return they bring in revenue. That allows you to focus on the channels that bring you the highest ROI rather than just the lowest cost per lead.

Keep in mind that when it comes to longer sales funnels and brand awareness campaigns, it’ll take longer until you know for sure how much your average customer is worth.

Step #5: Optimise

Having clear metrics will allow you to know what’s working, what needs improvement, which channels to ditch, and which ones to invest more in.

Let’s say you’re running an email marketing campaign. If you’re getting low open rates, you probably need to improve your subject lines. If you’re getting good open rates, but your CTR is low, you should then focus on the content of your emails.

Run A/B tests on different aspects of your funnel that could improve your metrics, including:

  • Headlines
  • CTAs
  • CTA button design
  • Colours
  • Images
  • Overall copy
  • Etc

Then, start implementing the variations that work best on a full scale.

A final tip, though: avoid at all costs relying on a single digital marketing channel, as sudden changes in its policies and market behaviour could drastically affect your results overnight.

Also, never stop testing and optimising. There are always ways to improve your campaigns, and doing so is one of the greatest things you can do for your business.

When people enter a home or commercial building, they notice the ceiling. One of the most common materials used on ceilings is gypsum, which is commonly referred to as drywall. You may have also heard gypsum referred to by other names, including sheetrock, wallboard, and drywall. Gypsum is mined from sedimentary rocks, is widely available, and has been used in construction since the Egyptians built the Great Pyramids. With gypsum, you can change the look and feel of your ceiling. You can choose gypsum ceiling tiles in conjunction with acoustic ceiling boards or as a standalone system.

Advantages of Gypsum Ceiling Boards

There are many advantages to using gypsum for your ceiling, including the following:

Heat Resistance

One reason that gypsum is a popular material for ceilings is that it is heat resistant. Gypsum has chemically combined water in calcium sulphate, which creates a non-combustible core. Many building codes require a specific rating in certain rooms, and gypsum ceilings are available with these ratings. When you choose this material, it is safe for your home.

Thermal Insulation

Another reason that gypsum ceilings are popular is that they have thermal insulation properties. In the summer, this material keeps the cool air inside and blocks the hot air from outside. In the winter, your ceiling will hold heat in, which takes the pressure off your HVAC system. You will save on your energy bills with this type of ceiling.

Sound Insulation

In addition, gypsum ceilings work well for insulating sound. When you use gypsum tiles, you will still be able to hold sound in, so you don’t have to worry that it will travel to other rooms. This makes it very popular in commercial settings as well as homes.

Sturdy and Flexible

Another advantage of gypsum ceilings is that this material is flexible and easy to cut into the sizes you need. Along with its flexibility, gypsum is also strong and durable. You will use metal frames to support it. Some gypsum ceilings have sag resistance, which means that they won’t sag over time under their weight.

Light Distribution

Gypsum board is different from plaster because it doesn’t cast shadows. This type of ceiling is suspended a few inches below the main ceiling, and it helps distribute light evenly throughout the entire room. It is also easy to work with because you can cut the boards to fit. In addition, you can easily repair it if it suffers any kind of damage.

Moving a tree to a new pot can be a daunting task, but it’s something that needs to be done if you want your tree to thrive. After the move done by professional services like mentioned in a podcast, it’s important to provide your tree with the necessary care and attention so that it can survive in its new environment.

  1. One of the most important things you can do for a freshly-moved tree is to water it regularly. The soil in a newly-potted tree may dry out faster than usual, and regular watering will ensure that your tree has enough moisture to stay healthy. Make sure that you water your tree until the soil is damp but not soggy. Remember, too much water can lead to root rot or fungal diseases, so don’t overwater!
  2. Pruning is an important part of caring for any type of plant, and trees are no different. After moving, your tree may require some pruning if its roots have been disturbed by the move or if some branches need trimming back due to overgrowth. Prune any dead or damaged branches and leaves as soon as possible, and make sure that you use sharp tools when doing so—this will help prevent damage from occurring during the pruning process.
  3. Fertilizing is another vital step in caring for moving trees after they have been placed in their new pots. Different types of trees require different types of fertilizer, so make sure you select one appropriate for your particular species of tree. Additionally, only fertilize when needed—too much fertilizer can cause a nutrient burn or even kill the plant!
  4. Moving a plant into a new pot can sometimes disrupt its natural balance, leaving it vulnerable to pests and diseases that wouldn’t normally affect it in its original environment. Keep an eye out for signs of infestation, such as wilting leaves or discolored branches—these are indicators that pests may be present and should be addressed immediately with proper pest control measures.
  5. Sunlight is essential for all plants, including trees! Make sure that your newly-moved tree is getting enough sunlight each day—ideally at least six hours per day—in order to remain healthy and strong. If necessary, move the pot around until you find an area where the sun exposure is just right!


By following these five tips on safe care practices for moving trees, you’ll ensure that your precious plants live long lives full of lush foliage and bright blooms!

All organizations, regardless of their size, could use a refresher course in hiring. Even experienced human resources professionals will benefit from a few reminders about good hiring practices. No matter how many individuals your organization has hired over the years, bad hires still happen. Perhaps a manager was in a hurry to hire to fill an important opening. Or, your staff hired someone because an employee knew the applicant, and they seemed nice enough. Or, a so-so candidate was hired even though the person doing the hiring knew that they could do better if they only kept looking. And the list goes on.

The accompanying infographic, Are You Making These 7 Hiring Mistakes, presents statistics showing the serious consequences of hiring mistakes. Almost three out of every four employees admit to hiring the wrong person for a position, a figure that is astounding. Considering the time spent in the job search and the financial costs of a wrong hire, that adds up to a whole lot of wasted time and money.

A bad hire is more than a financial mistake. Bad hires negatively impact overall employee morale. Supervisors spend too much time managing employees who cannot perform up to the standards of the job; bad hires may not get along with their coworkers; and employees lose confidence in the ability of those doing the hiring. Bad hires either realize they are a bad fit and leave voluntarily, or they may get fired because they can’t do the job. Either way, you are soon in the position of having to hire all over again.

How can you improve your organization’s hiring process? Follow the infographic’s advice! Don’t skip any of the important steps in the hiring process. Attempting to hire someone quickly may lead your human resources department to neglect pre-employment screening and/or background checks. They may be using templated job descriptions that don’t thoroughly describe the position and your company culture.

Mistakes can be made during the interview process, too. Asking “easy” questions or deciding to hire someone because the interviewer likes them personally can lead to bad hires. Yes, personality is important in getting along in the organization, but it shouldn’t override the ability to perform the job.

The biggest takeaway from the infographic is that taking the time to hire correctly, even if it means a delay in filling the position, is the best way to go. The right candidate will appear at some point, even if you have to re-open the job search process. A little extra time spent in finding the best person overrides the amount of time and money wasted in the future because of a bad hire.

The following infographic was created by a vetting company and should be required reading for anyone in your organization who is involved in the hiring process.

Infographic provided by Global Verification Network

Even before the pandemic changed the professional landscape, remote work was an increasingly common part of the business world. Technological advancements made it possible for employees to stay connected and contribute remotely, and a growing number of employers recognized the value of offering employees more flexibility and, ultimately, a better work/life balance to expand their candidate pools and keep their employees productive and engaged. Kitchen tables transformed into makeshift workspaces and in-person meetings gave way to tele- and video-conferencing. Similarly, finding a job has taken on a virtual component.

If you’re one of the millions of people who are searching for a newn opportunity right now, you havewill probably noticede that the process is decidedly different from the last time you were in the job market you were.. Most likely, you are alreadywere familiar with the protocols of emailing your resume and portfolio, searching through online job sites, and being mindful ofpaying close attention to your social media footprint. Now, however, it is common to go through the entire interview, offer and negotiationng processes without ever meetingspeaking to anyone from the potential employeranyone in-person. In fact, some organizations even are onboarding new employees remotely, as well. This is more convenient in numerous ways, but it also comes with a new set of challenges and requires more self-motivation and diligence than ever before. .

SomeMany professionalseople can thrive no matter whatregardless of the environment, but others are more comfortable when they have clearly delineated boundaries between work and home. Remote working of any kind blurs these lines and makes it more difficult for some to shift gears. Just like working from home, This is why stickingcommitting to a routine during your remote job search is key. This might meaninclude setting attainable goals such as updating your resume by a specific date or applying to a certain number of opportunities each day. This will allowway, you to can overcomeavoid procrastination falling into bad habitsand avoid  or feeling overwhelmed.

HAt times like these, having a strong professional network of professionals in your field is also now more important than everbecomes even more important. With so much of the business world shifting to flexible remote work environmentsarrangements, the opportunity for impromptu or everyday networking has suddenly disappeared. Conversely, this also meansthe people in your circle may be come moree accessible through emails, phone calls and social media. Be sure to keep in touch with them on a regular basis — whether it’s a friendly email asking for advicean insight or a virtual coffee break to discuss industry trendshappenings.

For these and other tips you can use to stay focused and be successful with your job hunt –, even while you’re stuck at home –, see the accompanying infographic. It provides hints and reminders that can help you find success when navigating the virtual waters of the current labor market.

Infographic provided by The Jacobson Group, insurance executive recruiters

If you’re in the oilfield services market, choosing the right provider is important. There are many different companies out there, and all of them claim to be the best. So how can you make sure you’re making the right decision? It’s not easy, but it’s definitely worth it.

This blog post will discuss some of the things you should consider when choosing an oilfield service provider. We’ll also give you tips on finding the best company for your needs, like Levelland Renegade Wireline Services.

When it comes to choosing an oilfield service provider, there are a few things you need to take into account. The first is the company’s experience. How long have the company’s services been in business? What kind of projects have they completed? Do they have a good track record? These are all important factors to consider.

Another thing you need to look at is the company’s reputation. What do other people say about them? Have they had any negative reviews? These are all things you should take into consideration before making your final decision.

Third, you need to consider the company’s pricing. This is usually one of the deciding factors when it comes to choosing a provider. Make sure you get quotes from several different companies so that you can compare prices.

Fourth, you need to think about the company’s customer service. This is important because you want to ensure that you’re working with someone willing to help you out if there are any problems.

Fifth, you need to consider the company’s location. This is important because you want to ensure that they’re close enough to your project to easily get to it.

Finally, you need to think about the company’s safety record. This is important because you want to make sure that they have a good safety record.

How to check out these factors?

The best way to check out these factors is to ask around. Talk to people who have used the services of the company you’re considering. Ask them about their experience and what they thought of the company. Also, be sure to read online reviews. This will give you a good idea of what other people think about the company.

When it comes to choosing an oilfield service provider, there are a lot of things you need to take into account. However, if you keep these factors in mind, you should be able to find the right company for your needs. Good luck!

If you run a single member business, you’ve probably given a lot of thought to how you can best increase your profitability. In fact, you may have even experimented with some different investment strategies, pricing options, and all sorts of other considerations to see what will work best for you.

But perhaps you haven’t given much thought to your retirement planning needs. You may be so overwhelmed with your day to day operations that retiring is the last thing you could ever even think about right now.

Unfortunately, the reality is that time moves very quickly. Before you know it, you’re going to be in your sixties and thinking about retiring. When this happens, you don’t want to have a feeling of impending doom because you never started saving for retirement.

The easiest and best solution for this problem, as it relates to single member businesses, is the Solo 401k.

How Does a Solo 401k Work?

For those who have no employees within their company, a Solo 401k retirement plan is an incredible option. It offers numerous benefits to single member businesses and is one of the best retirement planning options available to anyone.

While we could list the many benefits of this plan, we’ll stick to three of the main perks related to a Solo 401k:

  • You Can Save a Lot of Money. Get ready for this: with a Solo 401k, you can save a total of $61,000 each year. How is this possible? Well, with this retirement plan, you are considered both an employee and an employer. As a result of this unique status, you can make investments as two different people. in your role as employee, you can contribute $20,500 each year. Conversely, as an employer, you can invest $40,500 each year. All in in all, you save $61,000 annually. This makes the Solo 401k one of the most compelling plans available on the market.
  • You Have Multiple Tax Options. When it comes to taxes, you have two distinct options available for the Solo 401k. One option available to you is what is known as a Roth contribution plan. Roth contributions are those that are made after-tax. This means that when you retire, you do not need to pay further taxes on your retirement funds as you start to make withdrawals. On the other hand, you may choose to make Traditional contributions. This means that you pay taxes when you make withdrawals, not when you contribute the money. Both options have their benefits, and which method you choose is entirely up to you!
  • You Can Take Out Loans. If you ever find yourself in a bind, you can take out loans of as much as $50,000 from your Solo 401k. Ideally, you would let this money mature until your retirement. But sometimes life can throw you a curveball and you have to figure out a way to navigate difficult financial times.

If you’re considering opening a Solo 401k retirement plan, consider a consultation with a plan provider today!