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6 best cakes to buy from an online bakery

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6 best cakes to buy from an online bakery

Cake one such word which lights up anyone’s world with sheer happiness. One forgets all about their gloomy days when they take a bite of their favourite kind of cake at the end of the day. Cakes have such an appeal over the minds and hearts of us, which is what has made them irreplaceable over the years. Earlier, there were just one or two flavours of cakes which used to be a major hit across every special occasion. But all thanks to the baking industry, we have a plethora of cakes to choose from and depend on multiple celebratory occasions or just to binge-eat. One can choose to order cake online or bake at home out of their liking to pamper their dear ones or to pamper themselves ( #selflove). But here are the top 6 best cakes to buy from an online bakery that you surely cannot give a miss.

  1. Chocolate Truffle Cake – A much richer and fuller version of chocolate cake are chocolate truffle cakes which seem to be everyone’s favourite. The truffle sauce which is added to such cakes makes a lot of difference. Bakeries use many premium quality ingredients that are much more expensive than regular chocolate cake ingredients. A chocolate ganache is exclusively made to top off this cake as the only kind of icing or filling.
  2. Red Velvet Cake – If your lover didn’t surprise you with a delightful red velvet cake on your anniversary or Valentine’s day, then there’s something wrong with him/her. Red velvet cake has become the expression of sweet love over the years. From its beautiful combination of sugar, cream and cheese coming together sandwiched in multiple layers, this cake have everyone’s heart.
  3. Black Forest Cake – Originated in Germany by a pastry chef called Josef Keller, this cake still happens to be a treat even after its invention in the year 1915. An authentic black forest cake is said to be filled with multiple layers of chocolate sponge cake filled with whipped cream and cherries. From being a festive favourite to being essential to kick start every sweet celebration, a black forest cake still rules the heart of every dessert lover.
  4. Kitkat Cake – One of everyone’s fondest memories are sure to include chocolates and candies like Kitkat. Isn’t it? Bakers experimented a bit and brought us back to our childhood in the form of a KitKat cake. Being topped off with some Kitkat bars alongwith some bits and pieces of Kitkats in the cake batter, this cake is an overload of Kitkat goodness, in other words. It’s a sweet treat which one surely cannot give a miss!
  5. Oreo Cake – If you already have come across the concept of biscuit cakes, then you would know oreo cake. Bringing Oreo cookies into the world of cakes has been quite a trend. Crushed into the cake batter to its icing, oreo cakes are crunchy as well as moist at the same time to balance out that perfect taste and flavour.
  6. Vanilla Cake – One of the oldest but still happens to be the gold-est kind of cake has to be vanilla buttercream cakes. People love it when they get to have moderately sweet cakes, sometimes with just a minimalist appeal. There are many different kinds of vanilla cakes that these days bakeries offer – you can pick your kind of favourite accordingly.

So, now that you know these six best cakes that you can buy from an online bakery, which one are you planning to order alongwith online cake delivery in Patna or wherever that you stay? Do let us know!

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How to create a GST invoice

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How to create a GST invoice

What is a GST invoice?

A GST invoice or a GST bill is basically a list of all the goods or services that you or your company delivered and the payment that you expect in return for it. A GST invoice is mandatory if your business is registered under the GST and you must issue it while providing services to your clients. Invoice related decisions of the GST are taken by the chairman of the GST council along with other members of the council under the GST act.

To create a GST invoice you must be aware of the fields that your GST invoice should mandatorily have:

  1.     The name of the customer
  2.     The invoice serial number
  3.     The invoice date
  4.     The shipping address
  5.     The billing address
  6.     If the customer is registered then the customer and taxpayer’s GST number (GSTIN)
  7.     If the customer is not registered and the total value of the invoice is greater than Rs.50000 then your invoice needs to have the following information:
  8.     Name of the recipient
  9.     Address of the recipient
  10.     Delivery Address
  11.     Name of the destination state
  12.     Name of the state code
  13.     The place from which the supply is to be made
  14.     HSN code or the SAC code
  15.   Details of the item: should include things like description, quantity along with a unit of measurement of the good and the total value
  16.   The taxable value
  17.   The discounts
  18.   The rate of taxes
  19.   The amount of taxes (IGST, CGST SGST)
  20.   Is the GST payable on a reverse charge basis
  21.   Signature of the supplier

Note: Reverse charge basis means that the liability to pay the taxes lies on the recipient of the goods or services and not on the supplier

You can create a GST invoice in excel using these values and print them in pdf or you can just use one of the countless online tools for it.

For the supply of goods three invoices need to be issued:

  •       Original for the recipient of goods
  •       Duplicate for the transporter
  •       Triplicate for the supplier

For the supplier of services

  •       Original for the recipient
  •       Duplicate for supplier

When should the invoices be issued?

According to the GST act, there are different timelines for different kinds of invoices:

  •       Goods (if the supply of goods is one time): on or before the date of delivery
  •       Goods(If the supply of goods is recurrent): On or before the issue of account statement
  •       Services: within 30 days of the date of supply of services
  •       Services(Banks and NBFC): Within 45 days of supply of services

What is GST E-invoice?

E-invoicing an electronic validation process by the GST Network (GSTN) and has been approved by the GST council in its 37th council meeting. It helps ensure that the invoices that you have generated are valid and meet all the requirements to be used for processes like bill creation or GST return filing. Hence it is a way to verify different kinds of invoices from different accounting software based on common parameters.

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Things To Follow While Conducting Virtual Business Meetings

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Things To Follow While Conducting Virtual Business Meetings

Work from home has become the new normal after the covid-19 pandemic. With this, all the meetings, training, work sessions are all conducted virtually. But are you conducting the meetings perfectly?

Does this happen with you that in the middle of the meetings your family member starts talking to you or passes by? Or your kids are crying in the background while you are in the middle of the meeting?

All these cannot be completely avoided and some compromises need to be made, but many things can be improved. It’s called online meeting etiquette. By following primary meeting protocols, you help your colleagues and organization in completing the meeting agenda on time and become more focused during the meetings.

So here, we bring to you some important online meeting Dos & Donts to assure high productivity and professional remote work culture:

Dos:

  • Arrive Early

Arrive at the meeting early at least 15 mins before, as there may be a lot of things that can go wrong at the last moment. For example, your laptop hangs up or you may be unable to connect to the audio. Joining early will give you some buffer to fix all that up. Don’t wait for the last minute to join.

  • Setup Everything Before The Meeting

If you are the presenter, be ready with all the setups beforehand. It is quite frustrating for the audience to wait for you to the setups, and open the documents while the meeting is on. It also creates a bad impression and shows that you were not ready.

  • Mute By Default

If a large group of people is attending the meeting, select the mute by default option. A lot of people forget to put the call on mute and then you get to hear various background noises and interruptions that disturb the whole meeting and the presenter. You can unmute them all in the question and answer session and when the whole meeting is about to come to an end.

  • Don’t Fidget

Make sure you don’t fidget or multitask when the meeting is in progress. You may unknowingly unmute yourself or press the screen share button to embarrass yourself in front of a large audience. And trust us, there is no undo or going back from this shame!

  • Check Your Laptop/Desktop Background

If you are the presenter or asked to present anything and you have to share the screen, it will be quite humiliating if your Netflix is opened in the minimized tab or you have a wallpaper that is not ethical to keep as per the office norms. Hence make sure that you check your system background and minimized tabs before you share the screen.

  • Stick To The Agenda

Don’t try beating around the bush. This will waste your time as well as the time of the audience. They will lose interest and you may miss the important point that you were supposed to make. Hence stick to the agenda and cover all the objectives that you have jotted down for the meeting.

  • Be Attentive

It is very common that you may lose your concentration from an online meeting if it has been going on for a long time. But try to be as attentive as you can. If someone from the meeting asks you any question or your suggestion and you are completely lost, won’t that be embarrassing?

Conclusion

After the companies have started moving towards remote working culture due to the covid-19 pandemic, online meetings have increased tremendously. Just because you are not in the office, there are some professional etiquettes you should follow to maintain a good reputation. Following all the above-listed points and using LMS software like paycom will help you be a pro at conducting and attending online meetings like an expert. Don’t believe us? Check the paycom reviews yourself.

Also, let us know in the comments, what troubles do you go through while attending office meetings from home.

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Business

Bankruptcy in America: How Insurance Is Affected When Bankruptcy Occurs

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Bankruptcy in America

Sometimes, people have no choice but to file for bankruptcy when life’s finances get out of control. Though sometimes preventable, it is possible to end up in a bankruptcy situation due to tragic incidents like accidents, deaths, or natural disasters.

Regardless of how you ended up filing for bankruptcy or considering it, it is important to understand how bankruptcy can affect different types of insurance. Insurance premiums, in some cases, can be affected by this filing.

Let’s take a closer look.

Life Insurance

One bankruptcy and life insurance fact that you need to be aware of upfront is that filing for bankruptcy will have an effect on your insurance rates for seven to ten years.

Insurance companies determine whether or not they will insure you and what types of policies they will offer to you based on the amount of risk that they perceive you to carry. Individuals that are more likely to file a claim or to fall into situations where the claim is needed are typically insured at higher premiums than other individuals.

Any life insurance plans that you have at the time of filing for bankruptcy may need to be liquidated to sell your assets. Life insurance policies have a high cash value, and this means that they may need to be let go during your court proceedings. This will, however, be handled on a case-by-case basis.

Does Bankruptcy Type Matter?

When considering the effects of bankruptcy in America on life insurance, it matters whether or not you have filed for Chapter 7 or Chapter 13 bankruptcy.

Since Chapter 7 bankruptcy does require you to sell items and otherwise liquidate assets to pay back creditors, it tends to have a more serious effect on life insurance policy terms and premiums.

Chapter 13 bankruptcy, on the other hand, is often considered a less serious type of bankruptcy. It does not typically require the liquidation of assets, and more life insurance carriers are likely to offer plans to Chapter 13 filers. Whether or not you can get full or limited coverage plans, however, will still depend on the particular carrier.

Will Bankruptcy Affect Plans On My Family Members?

If you have taken out policies on your spouse or children, those policies will likely be revoked during the court proceedings related to your bankruptcy. Once the filings are complete, you will need to reapply to have new policies for these members, and the turnout of your bankruptcy case may affect the rates.

Car Insurance

Many people may be curious about how bankruptcy affects car insurance rates.

The simple answer is yes. Filing for bankruptcy affects your car insurance rates because bankruptcy will lower your credit score. A credit score is a major determining factor used by many major car insurance companies to determine the amount of risk associated with giving you a policy.

When Will My Premiums Change?

If your credit score is very low, this can lead to higher premiums on your car insurance policy. While you might not see your rates immediately go up when you file for bankruptcy, they will likely change when the insurance company next reviews your credit score.

Is It Possible To Find Affordable Coverage After Bankruptcy?

Despite this, it is possible to shop around and find affordable car insurance policies after you file for bankruptcy. You may need to take a different type of policy that you are accustomed to in order to find something affordable, but this may be the path that you need to take following your bankruptcy.

The best policy is going to be different for every individual because policy pricing is based on a variety of individual factors. If you are struggling to find a policy that works for you, consider looking for a company that does not use credit scores as a part of its price-determining formula. While rare, this can be a life-saver in some financial situations.

Steps for Success: Avoiding Bankruptcy

Though avoiding bankruptcy is not something as simple as just budgeting properly due to the complex nature of finances in the modern world, that doesn’t mean that there are no ways to reduce your risk of falling into bankruptcy.

For many people, bankruptcy occurs whenever a financial investment that they made goes awry or they lose their job without having the proper savings to keep up with their day-to-day expenses.

In the future, diversifying your income streams can help to prevent a single loss like this from causing your entire financial situation from falling apart. Diversifying your investment portfolio or finding ways to generate passive income can help to support your long-term financial health.

Additionally, make sure that you are starting to set aside savings as soon as you are able to. Creating a solid savings account can provide the backing that you need when unexpected expenses pop up.

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