An introduction to the VW T-Roc

The market for small SUVs has expanded rapidly in the last couple of years. Sparked by early entrants such as the Nissan Juke, most major manufacturers now have an entry in this sector.

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It is easy to see why this type of vehicle is popular, with its higher seating position and distinctive looks, and it is no surprise that SUVs have begun to outsell more traditional models. Volkswagen was a little late joining this market, with the T-Roc not appearing until 2017, but this has enabled it to produce a versatile and practical car that could well be one of the best in its class.

Inside and out

The T-Roc’s exterior styling is not especially distinctive – there are echoes of similar cars, such as the Kia Stonic – but it is smart and stylish and will appeal to people who do not like the more extreme appearance of competitors such as the Renault Captur or Nissan Juke. It is available with two-tone paint to add a little extra distinction. R-Line models have larger alloy wheels, a body kit and sports suspension.

Inside, it is very much a VW. The switches and displays are familiar from other models in the range and the solid feel and quality materials are what we expect from the German marque, although T-Roc models for Europe are built in Portugal.

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The raised seating position gives a commanding view of the road, while an eight-inch touchscreen puts the entertainment functions at your fingertips. Air con is standard across the range. VWs are always popular with used car buyers, so dealers will want to visit a broker such as to make sure their motor trade insurance is up to date and they can get the T-Roc in front of their customers.

Under the skin

The T-Roc shares most of its mechanicals with the Seat Ateca. There is a choice of 1.6- and 2.0-litre diesel engines; however, the big sellers are expected to be the turbocharged petrol models. These come in 1.0-, 1.5- and 2.0-litre capacities.

The T-Roc can be either front-wheel or four-wheel drive, although the latter is not on offer with all engines, and there is a choice of a manual gearbox or the seven-speed DSG transmission. Even the base models get safety features such as city emergency braking and lane keeping assist.

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Save Taxes by ELSS Investments

The ELSS offers avenues for wealth creation while saving taxes and offering high liquidity.

At the end of every financial year, you run around to make last minute investments and save taxes. You might invest a lump sum amount in your PPF account, or buy a new insurance policy, or even start a new investment.

Instead of waiting till the last minute, you can create a nifty investment option for yourself by checking out the ELSS fund.

What is an ELSS?

The ELSS is an abbreviation of the term ‘Equity Linked Savings Scheme’. The ELSS fund is often purchased for two reasons:

  • Excellent growth prospects
  • Lowest lock-in period of just 3 years, across all market linked options in India

The ELSS is a tax saving mutual fund that offers a high rate of diversification in the investment while also ensuring high growth by largely investing in equities. It has a higher factor of risk owing to its higher exposure to equity securities. But it also shows a correspondingly higher rate of return as compared to other options.

You can choose to stay invested in this tax saving mutual fund beyond three years – in fact, treating it like a long-term mutual fund assures you of higher appreciation on the investment. The ELSS fund shows a higher propensity to ride out short term volatility as well. New investors looking for high growth must particularly invest in this fund.

Why the ELSS is great for you

The ELSS fund offers many benefits that both novice and experienced investors can take advantage of to create wealth. Consider the following benefits –

* Superb tax saving prospects: The ELSS fund is highly recommended for tax saving purposes. In fact, it is known as a tax saving mutual fund: you get exemption up to Rs 1,50,000 investment under Sec 80C of the Income Tax Act, 1961. Thus, it is the best long-term mutual fund for those with a higher capacity for risk but with an eye on higher gains.

* Higher liquidity:Though it is recommended that the ELSS fund must be invested in for a longer time, the short lock-in period assures higher liquidity than other options like the ULIPs (10 years), PPF (15 years), insurance (till maturity), NPS (till retirement), etc.

* Better returns compared to other options:With the maximum exposure to equities, the ELSS fund offers more returns than other options. The best performing ELSS funds offer bumper returns in the range of 15% and above, thus making it the ideal long-term investment plan. Since you also save money on taxes, you can estimate the gross returns to be up to 18%. This is a higher rate of return than other options.… Read More

Four tips for organising a walk-in cold room

It is likely that there will be a walk-in cold room in any commercial kitchen or food preparation business; however, although it is high-tech and has a large capacity, you may not be getting the best out of it. If it is not well-organised, it could be running inefficiently and causing a danger to both the contents and your employees. Let’s take a look at a few tips for organising your walk-in cold room.

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Make good use of shelving

Shelving in your cold room enables you to sensibly organise the products stored there. Remember the rule ‘raw on the floor’; not literally, but on the bottom shelf at least. On the subject of the bottom shelf, make sure this is not too close to the floor, allowing at least a six-inch clearance. This gap enables the air to flow easily and facilitates cleaning.

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Stand clear of the fans

Make sure the fans in your cold room are not obstructed, as this could lead to a reduction in efficiency and you might not be able to achieve the correct temperature. Similarly, allow sufficient space for good air flow, as this can also affect the temperature.

If you are looking for walk in cold rooms for your business, specialists such as supply a wide range at affordable prices.

Don’t forget about stock rotation

Label the products that are stored in your cold room and always include their best before or use by dates. If you are unsure about what these date standards mean, the Food Standards Agency provides an explanation and guidance. This will help you to minimise waste by using older products first and help you to stay within the law should you get an unexpected visit from an environmental health officer.

Good housekeeping

Cleanliness is next to godliness, as the saying goes, so make sure you keep your walk-in cold room spotlessly clean. Put a rota in place to make sure that all elements of the cold room, including the shelves, grilles, runners, floor, ceiling and doors, are removed – where possible – and cleaned regularly. Commercial fridges take a real hammering, from bags of leaking food to spills, splashes and dribbles. If they are not cleaned regularly and thoroughly, you run the risk of a build-up of bacteria, cross-contamination, and staff slipping and hurting themselves.

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Traveling And Using Payment Methods

When traveling, you want to keep multiple different ways that you can spend money. If you only bring a single debit card, for example, it might get stolen and you’ll be stuck without any money to spend. Look into all of these different payment methods to try out while you’re on the go.

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Credit Cards

Bringing a credit card is a great option while traveling. When you’re bringing your debit and credit card with you, but one of the cards somewhere secure like a hotel safe so you still have it as a backup option if your primary card gets stolen. Credit cards can also be great primary cards as you have protection if anyone tries to falsely charge your card, plus you usually can get bonus points just for spending money on anything travel. Consider bringing a credit whether it’s your primary or a backup payment method for you while traveling.


Cash is still a payment method that certain places will only take. By bringing cash, you can be sure that you can’t be skimmed at all and lose more than what is currently on you. If you don’t have any on you, you can visit any ATM machines Hoboken NJ and withdraw as much as you need for daily spending. The only big downside is that all of the money you have on you can be stolen so make sure to not keep too much cash on you where it’s enticing and noticeable enough. Ensure that you are safe when deciding to carry around cash no matter where you travel.

Gift Cards

Chances are if you’ve had Christmas or a birthday recently, you’ve gotten at least one gift card. Gift cards can actually be great since they are more compact than cash so you have less of a chance of getting ripped off. Additionally, you typically can scan the barcodes for these cards into your mobile phone wallet so you can just pull up an app and see all of the gift cards you currently have without even having to bring them with you. Consider using gift cards at any chains that have stores where you travel.


Bitcoin is an emerging technology that is mainly used today for online purchases. However, many places have started accepting bitcoin in person through QR codes. Simply load a wallet app on your phone containing Bitcoin and whenever a supporting store shows their QR code to you, send enough Bitcoin to cover how much your purchase is. The only big downsides to Bitcoin right now is the transactions aren’t instant, plus you can have an extra fee attached simply for using Bitcoin. Think about using Bitcoin in person if you have some already.


Utilizing a mix of these payment methods is a good idea while traveling. Make sure to maximize the rewards and safeties of all of these methods so you come out ahead. Additionally, call your bank and make sure you tell them you’re traveling so your card … Read More

Car Insurance and Its Introduction

A car is an expensive means of transport for many people. This makes it a valuable asset which you wouldn’t like to lose owing to an unfortunate accident or theft.

The solution to this problem is getting a comprehensive car insurance. By getting your vehicle insured you protect your car and bear the financial loss in case your car gets stolen, destroyed in an accident or breaks down. In addition to theft and accidents, car insurance also protects your vehicle against natural and man-made calamities like fire, explosion, riots, terrorist attacks, and natural disasters.

In India, it is mandatory, by law to get your vehicle insured.

Technical terms related to car insurance policy

  • Premium: It is the fixed amount that you need to pay to the insurance agency to keep the policy in effect.
  • Car Insurance Policy: The premium amount of the policy will depend upon the Insured Declared Value (IDV). This affects how high or low that amount will be. Many insurance firms have contacts with the manufacturers and provide you with the optimum value.
  • Natural Calamities: This section includes protection against the following phenomenon: landslide, self-ignition, lightning, explosion, earthquake, flood, typhoon/hurricane, inundation, and hailstorm.
  • Man-made Calamities: Under this, you will be covered against threats like burglary, theft, damage during transit, an accident caused due to external agents, terrorist activities, riots, and strikes.

Features of a Car Insurance

A car insurance firm provides the following features to the policyholder:

  • There are two kinds of policies, comprehensive and third party.

In third-party policy, which is mandatory, the company covers the injury/death of an individual (third party) or damage to their property caused by your vehicle. It includes a compulsory personal accident cover for the vehicle owner/driver as well. This doesn’t cover any damage to your vehicle.

The comprehensive policy covers the loss or damage to your vehicle. This covers damage caused by any third party or by the owner themselves. This is not a mandatory policy, but one should avail it, to not leave things to chance.

  • Risks covered are an important factor to take care of when buying insurance. One should check the things against which the policy provides cover before signing the deal. This includes both man-made and natural disasters.
  • The insured value of the car is quoted by the manufacturer, and it reduces as the vehicle gets older. According to Motor Vehicle Act, 1988 any damage to third party property is covered up to INR7.5 Lakhs for car (4 wheelers) and ₹1 Lakh for 2 wheelers. There is no limit for injury/death of the third party.
  • The premium that you need to pay for your car depends on several factors. Some of the primary factors are the vehicle type (model, age, fuel used), city, the profession of the owner, the age of the owner and the modifications made to the vehicle.
  • Premium Saving options such as no-claim bonus (NCB) allow you to avail a discount on the premium amount if you haven’t filed a claim during
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