Chartered accountants provide vital support to streamline the financial management of a firm. They are the essential cogs in the wheel of every business or enterprise to plan, streamline and execute targets right from the monetary basics.

As a CA, you are a strong mediator for balanced financial administration and supervision to ensure a sound financial future. Availing a personal loan for chartered accountants has to be a pre-planned step with financial positives. But instead of a typical business audit, these loans are supposed to be for your personal life.

As per ICAI, there are more than 2.5 Lakh CAs in India. With the current average remuneration for CAs around 7 LPA, you are already among the highest salary medians by profession. Higher income slabs directly translate into a better FOR, but not necessarily a better CIBIL score. The latter has more to do with proper repayment of loans with sound financial management, an obvious expectation from a CA like you.

Either way, here are some tips to make the best use of a personal loan for chartered accountants: –

• A vacation –

There’s a whole world beyond your home, your workspace and whatever is in between. Get out and have a look. Take a month-long trip to Europe or the Caribbean. Get a taste of a life outside your 24×7 schedule. Don’t think about the expenses. Let your personal CA loan cover it for you.

Personal loans are unsecured. So, you do not need to put your personal assets as collateral to go for your dream vacation. Most importantly, these loans are easy to avail with minimal documentation requirements, simple approval procedures and quick disbursals. This means you can plan your vacation alongside the on-going loan procedures and find on-time funds for hotel or plane ticket bookings.

• For your child –

You want your child to get the best educational exposure you can provide. But the top schools or colleges can be quite a financial setback without proper planning. A personal loan for chartered accountants can end up as education funds for your child.

One of the top benefits of these personal loans is that you can use the funds at your discretion; that is, you can utilize the credit however and wherever you want to use. Lending institutions provide loans up to Rs. 35 Lakh for CAs, enough for education abroad and perhaps a vacation for the two of you!

• Refinancing –

Refinancing can be tricky only for those who don’t know their way through it. Loans are financial investments for a better future. Refinancing is the best way to consolidate the overall debt and reorganize accordingly. If you have more than one credit, you can take a personal loan for CAs and use it as your refinancing option.

You can make the best of competitive CA loan interest rates and consolidate the previous credits by repaying them with this one. You must understand that these are professional loans, in this case, for chartered accountants. You can get a better overall EMI, i.e. pay a lower percentage of interest, by refinancing your existing debts under one professional loan.

• Home renovation –

You may think about general home loans but what you need instead is a loan tailored for you, as per your profession and the subsequent financial pattern. There are a couple of things CAs should consider before buying a new home. Furthermore, you will find it hard to come across a loan for home renovations in the first place.

So, stick to your personal loan for chartered accountants. These loans are fine-tuned with your financial requirements as per the loan value, EMIs, features, etc. Moreover, NBFCs such as Bajaj Finserv provide with pre-approved offers on personal loans for CAs. These are also valid on personal loans, business loans, home loans, loans against property and other financial products and services. The offers are as per your individual eligibility pointers which make the process of approval and disbursal faster.

Recently, one of our readers asked us if it’s ok to use nulled WordPress themes and plugins? Nulled themes and plugins are pirated copies of premium WordPress products. In this article, we will explain why you must avoid nulled WordPress themes and plugins, specially if you’re serious about your website.

What are Nulled WordPress Themes & Plugins?

Nulled WordPress themes and plugins are pirated copies of paid WordPress themes and plugins distributed unethically on the internet.

The folks redistributing nulled items argue that because WordPress and any derivative works (like plugins and themes) are licensed under GPL, it’s completely ok to copy and distribute it.

While that’s true, often this comes with big cost. Not only does it cause good WordPress companies to lose money, but most importantly it compromises the security and integrity of websites using these nulled WordPress themes and plugins.

Yes often these nulled themes and plugins are the reason why your websites get hacked.

Here are some of the top reasons why you must avoid using nulled WordPress plugins and themes on your website.

1. Security

Nulled WordPress plugins and themes are extremely dangerous for WordPress security. They are known to carry malware.

The malicious code can spread across different files to disguise itself which makes it hard to detect and fix when your website is hacked.

You could also lose your site data in the hack process. Last but not least, your site may get de-indexed from search engines for distributing malware.

2. Privacy

Nulled WordPress themes and plugins can have different kind of malicious code hidden inside. This can include code that steals information from your WordPress site and makes it available to hackers on the dark web.

This information may include your username, email address, and passwords. If you run an online store or membership website, then the personal information of your customers can also be at risk.

These kind of hacks are hard to detect and may go unnoticed as your WordPress site keeps functioning normally.

3. Bad for SEO

Pirated WordPress themes and plugins can destroy your WordPress SEOcompletely. Nulled WordPress themes and plugins can add spam links to your website or hijack your users and redirect them to bad websites.

These activities are hard to detect by human eyes as the links are well hidden in the code. You will likely not be redirected when you are logged in to your WordPress account. However, search engines will be quick to notice that and penalize your website by dropping your search rankings or de-indexing your website completely.

You will have to spend months to recover your website’s SEO rankings and sometimes you may even have to make a new website from scratch.

4. Legal Issues

Many WordPress themes and plugins are open source, but some of them are sold with mixed licenses. This means that some parts of the code are protected by copyright laws and if you are using a nulled WordPress theme or plugin, then you don’t have legal permission to do so.

Pirated WordPress themes can result in data theft, data loss, or distribution of illegal material. All of these can lead to legal proceedings where you may end up paying huge sums to lawyers.

5. No Access to Updates

Most WordPress themes and plugins regularly release updates to fix bugs, add new features, and close security issues. Nulled WordPress themes and plugins cannot receive those updates because they don’t have a valid license key.

This leaves your WordPress site with an outdated version which may be buggy and insecure. WordPress itself regularly releases new versions and sometimes themes and plugins need to be updated to remain compatible with the latest changes. Since nulled theme or plugin can’t be updated, your website may start misbehaving or become inaccessible.

For details on WordPress updates, see our article on why you should always use the latest WordPress version and how to manage WordPress updates.

6. Support & Documentation

Even the most experienced WordPress users need support and documentation to properly use premium WordPress themes and plugins.

Developers of these products spend a lot of their time on providing support and creating documentation for their users. They even hire support specialists to answer questions and regularly add new tutorials.

If you are using a nulled WordPress theme or plugin, then you are on your own. You cannot ask the developers to help you out when you need help. You also don’t get access to documentation and tutorials because those are only available to paid customers.

7. Access to New Features

As we mentioned earlier, WordPress themes and plugins are updated regularly and often these updates include new features. If you are using a pirated WordPress product, then you cannot get automatic updates, and you wouldn’t even know that there are new features available.

These new features can significantly improve your website and help you make more money online. However, you will be totally unaware of these changes and will be stuck with an outdated version.

8. Unethical use Discourages Innovation

Now some may argue that it is a tiny piece of software, and I am doing this because I cannot afford to pay for it at the moment. However, this tiny piece of code is the result of someone’s skill, talent, and hard work. By using a nulled software, you are taking away money from those developers.

Developers not only spend their time on writing code, they also have to provide support, create documentation, make a website, hire support staff, and spend a lot of money to run their business. Using nulled software hurts their business, and they end up losing money.

These unethical practices may discourage developers from creating new innovative products that can benefit millions of users.

9. The Abundance of Free Alternatives

There is no reason for anyone to use nulled WordPress themes and plugins. No matter which WordPress theme or plugin you choose, there is always more than one suitable free alternative available for them.

In fact, many premium WordPress plugins have limited free versions to help you get started. Need a contact form? Get started with the free version of WPForms Lite. Need Google Analytics? Try the free version of MonsterInsights.

For WordPress themes, take a look at our expert-pick of the best free WordPress themes that are just as good as a premium theme.

WordPress.org has thousands of free plugins and themes. Some of them are even better than many premium products. Most importantly, you can use them legally with no burden on your conscience and without affecting WordPress community negatively.

We hope this article helped you learn why you must avoid nulled WordPress plugins and themes. You may also want to see our article on the cost of building a WordPress website with tips on how to save money.

If you liked this article, then please subscribe to our YouTube Channel for WordPress video tutorials. You can also find us on Twitter and Facebook.

In the interactive world of the Internet, video marketing has become a captivating tool. Research confirms that 50 times the number of video pages earned top page rankings, as compared to their still and text-based rivals.

Now that the cost and complexity related to producing videos has been significantly reduced, online video marketing has dramatically evolved in its user-friendly mass appeal. In addition, a video is searchable online in perpetuity. In other words, invest a few minutes to create an effective video, and it will remain available and searchable next year for no additional cost.

Particularly in the case of social media, videos magnify visitor intrigue and draw. Maximizing this capability is relatively simple. It merely entails an awareness of the most effective methods.

Captivate With Your Title

For example, a catchy title is worth its weight in gold. A few minutes of forethought regarding this attention-grabber can translate into exponentially more traffic. While some think that the use of key words is not applicable, the search engine Google and video portal YouTube are part of the same financial operation. This powerful collaboration should not be overlooked.

Also, consider your audience. Creating value is essential. Offering lessons or skills that reinforce your own credibility will pay dividends when branding this expertise.

Keep It Brief

Keep videos brief: under 4 minutes. Provide identifying information, including your website address, in the content structure of the video. A logo, and other branding aspects of your unique format, can differentiate this video visually from others that offer similar content.

When posting a video on YouTube, the keyword-based title and a link to the URL should be included in the text to tag the piece. This way, even while the video plays, the identifying information is available on display as a part of the still frame below it.

In addition to YouTube, the video should be posted in a prominent and relevant location on the corresponding website. Keeping the information, and video content, fresh on a website draws your loyal community back consistently for on-going updates.

Embed Videos Everywhere

Furthermore, from an SEO (Search Engine Optimization) standpoint, YouTube counts all related views. It does not matter whether those views occur on your website or theirs. As long as the clip is embedded properly with the code that YouTube provides, then the search engine rank can be improved as a result of all views in all corresponding locations.

Given the volume of videos that are available now online, it is essential to develop unique content characteristics that draw attention. When a multi-media campaign links videos that teach useful skills with newsletters that reinforce them, the visitor is likely to bounce from one piece of that campaign to the next. Each piece is considered a value-add, and compels a viewer to invest time with your campaign, as opposed to one that only provides a video.

The Internet is filled with low level messages and clutter. By designing the content of your video message to include the solution to a problem, rather than a blatant sales pitch, you can instantly separate yourself from the junk.

Be Specific

When including key words in titles and tags, be specific. Draw a targeted audience that is likely to respond favorably to your message or offering, rather than the mass market that may quickly dismiss it as a sub-category that is outside of their interest area.

When attempting to build this target audience, provide an incentive that encourages them to subscribe to your website or YouTube channel. This enables you to remain in contact with them, and provide fresh content as soon as you make it available. Such a tactic increases your chances of success, and provides rewards for the investment you make in creating these vital video marketing tools.