
Effects Of Digitization And Technology On The FMCG Sector
Besides a rise in disposable income and a shift in favour of consumption-driven society, the FMCG sector has also scaled new heights over the last few decades owing to the increasing use of digital technology. Other notable factors that have majorly affected the sector include, greater diversification of products across the food and non-food categories, a boost in wellness products, and greater

How are institutional equities catering to the fundamental analysis of a company?
An Overview
The Indian stock market offers various funds and bonds where an investment is made to get an income over time. The system is such that a number of investors invest in funds or equities prevailing in the market. Both public and private companies offer shares and bonds where an investment could be made. Thus, these shares or equities offered by different institutions are recognised as

Role of Condoms in Practising Safe Sex
There is no doubting the efficacy of condoms- they are highly effective against the most perilous of sexually transmitted infections, including HIV, the virus that causes AIDS. They are also effective against unwanted pregnancy as well as against gonorrhoea, chlamydia, and trichomoniasis. In fact, reports also suggest the association of condom with a lower rate of cervical cancer, an HPV-

Threats To The Value-Creation Model of The FMCG Industry
Most FMCG companies have been more or less shielded from the challenge of disruptive new business models by having brands with strong equities, positive relationships with retailers, and expensive manufacturing set-ups. However, going forward, things are likely to change. Some trends have emerged in recent times, that seem to create a threatening environment for the FMCG trading

Which Trends Are Shaping The Food Distribution Industry
With significant sales over the years, food service distributors have maintained a strong global presence. In fact, several businesses are dependent on this industry, be it restaurants and cafes or hospitals and healthcare facilities. With the emergence of new trends, food distribution companies Dubai are discovering changes in the marketplace, which also comes with new opportunities.

Living in Business Bay- the coolest urban neighborhood of Dubai
If a trip to Dubai is on the cards for you, Business Bay is definitely worth checking out. Often referred to as the district of skyscrapers, this area offers solid action to business travellers and tourists alike. The area is not only dotted with spectacular skyscrapers, but also promises seamless connectivity to the major offices and the Dubai International Airport, besides allowing easy

Why is Global Fleet Management A Big Challenge?
Global fleet management is one of the biggest fleet career trends moving into the 2020s. With the constant expansion of businesses overseas, they are offering tenured staff with an opportunity to manage global fleet operations. While on one hand, global fleet, management promises huge prospects in terms of learning a new culture and developing an operation from scratch, on the other hand,

Tips for Auto Leasing
Car leasing leaves most consumers confused. The following are some of the do’s that you should follow if you are soon to get into a lease with any of the reputed auto leasing companies :
Negotiate the purchase price - you can usually expect the lowest lease payments from the special lease deals from the manufacturer, but it is advisable to negotiate further. These subsidized

Home Loans in India
Buying a home is a common dream which every working individual at some point of their life wishes for. But in a country like India where the population is on the rise and the present economic conditions are deteriorating, it is difficult to get jobs and even more difficult to hold the audacity to dream big. The struggle to own a shelter is very challenging and not everyone is able to bear the

Things to know before starting hotel business in Dubai
It hardly needs to be mentioned that over the last few decades, Dubai has emerged to be a hotspot for business tourism as well as leisure travels. What’s more, it is the most lucrative destination in the UAE, thanks to its abundant resources, conducive business scenario, and a stable political structure. In fact, the government offers several incentives for startups, which explains its
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Car leasing leaves most consumers confused. The following are some of the do’s that you should follow if you are soon to get into a lease with any of the reputed auto leasing companies :
Negotiate the purchase price - you can usually expect the lowest lease payments from the special lease deals from the manufacturer, but it is advisable to negotiate further. These subsidized lease deals from vehicle leasing companies offer inflated residual values and/or lower money factors which lead to a lower lease payment. The residual value or money factors are beyond the dealer’s control, but they can negotiate the suggested selling price that accompanies the lease deal.
Read the fine print - if you are buying a lease, you are sure to come across some ads that are too good to be true. And they are indeed misleading. Once you go through the fine print, you will notice that the ad applies to only certain undesirable trim levels, has a fixed driving limit, involves a large down payment, security deposit, etc. These additional costs, once factored in, no longer make the deal as lucrative.
Lease a car with high resale value - vehicle depreciation constitutes the biggest portion of your lease payment, and hence, you should only lease cars which will retain their value, so that the depreciation cost is minimal.
Lease early in the model year- the challenge is to limit depreciation, which is typically the biggest cost associated with business vehicle leasing. In order to avoid this, you can lease soon after the new model is released. The longer you wait, the more depreciation builds up, and consequently, when you turn the vehicle in, your residual value will be low. This does not happen only in the case of hot-selling cars where you cannot negotiate a fair price. In the case, it is advisable to wait for 2 to 3 months until supply catches up with demand.
Get GAP insurance - This lends you protection in case your leased car is stolen or damaged in an accident. It is not known to many that cars depreciate the quickest in the first 3 years, so your vehicle is bound to be worth less than what an insurance company will pay in the event of a theft or an accident. Gap insurance will cover this amount, which can go up as high as several thousand dollars in some cases. Many leases are accompanied by gap insurance, but the onus lies on you to ensure you have it. It is generally a small cost, but entails peace of mind.
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