tag:blogger.com,1999:blog-18084202332215033352024-03-05T02:54:40.859-08:00Srini Share TipsInvesting Ideas,Jobs,ArticlesSrinihttp://www.blogger.com/profile/07397528550702315947noreply@blogger.comBlogger27125tag:blogger.com,1999:blog-1808420233221503335.post-46057909221740627052015-06-21T23:09:00.001-07:002015-09-23T22:19:27.555-07:00Cashless Payments Only Credit and Debit Cards<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="font-family: inherit;">The finance minister, in his budget speech, talked about the idea of making India a cashless society, with the aim of curbing the flow of black money. But what exactly is a cashless economy? It can be defined as a situation in which the flow of cash within an economy is non-existent and all transactions have to be through electronic channels such as direct debit, credit and debit cards, electronic clearing, payment systems such as Immediate Payment Service (IMPS), National Electronic Funds Transfer and Real Time Gross Settlement in India.</span></div>
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<span style="font-family: inherit;">In the history of money, the arrival of banks brought in the need for paper currency. Banks had a limited supply of gold and silver and realized that their lending capacity was constrained by this. Hence, they started issuing paper notes in excess of their reserves. This was followed by the governments printing notes that were redeemable for gold and silver. But they printed notes in excess of their reserves. The problem was when people lost confidence in the paper notes and tried to redeem them for gold and silver, the system collapsed, for example, in Germany after the World War I.</span></div>
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<span style="font-family: inherit;">This phenomenon of people losing faith in paper money has been repeated often. Whenever governments have printed more currency than reserves, the value of the currency has depreciated.</span></div>
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<span style="font-family: inherit;">India continues to be driven by the use of cash; less than 5% of all payments happen electronically. This is due to lack of access to banking for a large part of the population as well as cash being the only means available for many. Large and small transactions continue to be carried out in cash. Even those who can use electronic transfers, use cash.</span></div>
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<span style="font-family: inherit;">Read more at <a href="http://www.livemint.com/Money/PusysSd0y7weJjXCI1eHdP/Ready-for-a-cashless-economy.html" target="_blank">Live Mint</a></span></div>
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Srinihttp://www.blogger.com/profile/07397528550702315947noreply@blogger.com0tag:blogger.com,1999:blog-1808420233221503335.post-9620695013713442612015-05-27T19:44:00.002-07:002015-05-27T19:45:03.933-07:00SIPs Can Make Investors Richer<div dir="ltr" style="text-align: left;" trbidi="on">
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Stock market, on the whole, has fared quite well in the past one year. Investors’ reaction, nevertheless, has been mixed. Some continue to invest into equities, while others are still waiting on the sidelines. This trend sums up the investors’ general lack of interest in this asset class (equity), which if invested into carefully, can reap excellent returns over the long term.</div>
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<span style="line-height: 22.3999996185303px; text-align: left;">People generally don’t trust the sustainability of equity returns. Market volatility and bad experiences also keep them away. Thus, they lose out on the opportunity to enter during early phases of the market rallies.</span></div>
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If looked at carefully, equity investments yield best results if they’re indulged into in a systematic manner and with a long-term perspective. While the long-term approach negates the effects of medium and short term market volatility, systematic investment strategy prevents one from committing more than what is advisable at particular market levels.</div>
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<span style="line-height: 22.3999996185303px; text-align: left;">You must also pay heed to the medium chosen for equity investments, to fetch optimum returns. Hence, a good number of investors choose to invest into equities via mutual funds, taking the</span><span style="line-height: 22.3999996185303px; text-align: left;"> </span><a href="https://www.myuniverse.co.in/zipsip" style="box-sizing: border-box; color: black; line-height: 22.3999996185303px; text-align: left; text-decoration: none;">SIP</a><span style="line-height: 22.3999996185303px; text-align: left;">(Systematic Investment Plan) route.</span></div>
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If you’ve avoided equity funds so far for any particular reason, it’s time you take the plunge into equity fund SIPs. However, don’t do it because market is yet to manifest its peak levels. Rather, do it because investing into equity funds using a disciplined and long-term approach, you can accomplish your long-term life stage goals like children’s education/marriage, retirement planning etc. By investing over a time horizon of 10 to 15 years, you won’t have to worry about the fluctuating market levels.</div>
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On the other hand, you shouldn’t take SIP returns for granted. Following are some important factors you must carefully consider to ensure that you receive healthy and timely returns to meet your different life stage goals:</div>
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<span style="background-color: white; color: #222222; font-family: Arial; font-size: 14px; line-height: 22.3999996185303px;"><a href="https://www.myuniverse.co.in/learn/investing/mutual-funds/investing-in-equity-via-sips#sthash.XOxdIRXi.dpuf" target="_blank">- See more here</a></span></div>
Srinihttp://www.blogger.com/profile/07397528550702315947noreply@blogger.com0tag:blogger.com,1999:blog-1808420233221503335.post-36023049584818608302015-04-19T05:26:00.001-07:002015-04-19T05:26:27.729-07:00Redeem Mutual Fund Units Through Onlilne<div dir="ltr" style="text-align: left;" trbidi="on">
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How do you redeem your mutual fund (MF) units? Most of us fill out physical forms. We either give them to our distributors who go to the fund houses or registrar and transfer agent’s offices, or we go there ourselves. But it’s tedious to go physically. What if you forgot to take signatures or details that you are required to fill in the forms? That is one visit wasted and you have to go back again. All this effort can be saved by redeeming units online.</div>
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<b>REDEEMING UNITS ONLINE </b> </div>
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Many fund houses allow you to redeem your units online. Typically, as soon as you invest, fund houses encourage you to open an online account. Once you do this, you can invest further (additional units), make a switch from one scheme to another within the same fund house and redeem whenever you wish. But even if you haven’t opened an online account in all these years, you can still redeem your units online. To do that, you need to first ascertain whether your fund house allows you to redeem units online, if you don’t have an online account. Check with your fund house’s customer call centre to find out.</div>
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Fund houses such as L&T Investment Management Co. Ltd, IDFC Asset Management Co. Ltd, and Quantum Asset Management Co. Ltd offer this facility. Others such as HDFC Asset Management Co. Ltd do not at present, though they are working on it. </div>
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Currently, with the olatter, you have to first fill out a form, take a personal identification number, open an account and then do online transactions.</div>
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<a href="http://www.livemint.com/Money/xXk8OmOkSlpUeTiYxb5V2H/You-can-redeem-MF-online-without-having-an-online-account.html" target="_blank">Read more</a></div>
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Srinihttp://www.blogger.com/profile/07397528550702315947noreply@blogger.com0tag:blogger.com,1999:blog-1808420233221503335.post-76364766511256219812015-03-30T07:42:00.000-07:002015-03-30T07:42:04.150-07:00How to Save For Your Daughters' Overseas Education<div dir="ltr" style="text-align: left;" trbidi="on">
Money is a means to achieve our dreams- be it for ourselves or for our loved ones. In our list of priorities, usually for the ones with kids- children’s education tops the list. Most of us in India want to send our kids to foreign universities for the best education and to the universities of their choice. This can be the single biggest investment one makes in his/her lifetime apart from the goal of accumulating for one’s retirement. <br />
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The first thing to put down is how much would you want to invest/ spend on his/her education because identifying the country 15-20 years before the goal can be quite redundant. Say, if you wanted to spend 20 lakhs in today’s value – this would be equivalent to close to 85 lakhs after 15 years if you assume an inflation of 10%. The first thing to do is to predict the goal and you need to predict it in future terms and not just in today’s value because the idea is that goal is met at all costs. The second thing to take care of is that the investment must be done regularly. This is easier said than done. One must start investing as early as he can, the power of compounding can actually lower your burden of investing. When one is planning to send the kids abroad to study, there are a few things additionally that parents should take care of: <br />
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1. <strong>The amount of corpus:</strong> The amount required for sending the child abroad for studying is anywhere between 10 to 15 times the cost of education in India. The cost varies with what university is being looked at and what countries are being considered. For eg: Education in Singapore might be cheaper than one in the US. <br />
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2. Tuition/ Boarding/ All: You will need to think about what part of this funding will be done by you, what part of it would be a loan and what kind of scholarship you should look at to ensure that the other important goals are not impacted negatively. You must be upfront with your child on this front to ensure expectations are set realistically. <br />
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3. Currency: Because one is unsure of which country the money will be required in, one of the options is to invest in a fund that is globally diversified. This way you protect the portfolio by diversifying it across various countries and currencies. The investment must be done systematically though. In the past few years we have seen that currency has swung quite sharply and hence has a greater impact than inflation.<br />
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4. Inflation: Though inflation is lower in developed countries than in the developing ones, the education inflation is still quite high and we would assume a 10% inflation realistically. Another factor to consider is change in rules -- protectionism may result in having more seats for local students, thus pushing up costs for international students. <br />
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5. Investments: The investment portfolio for a goal like this should be diversified to include multiple countries and currencies whilst at the same time cushioning against risks. The portfolio should be re-examined from time to time to ensure movement to safer assets as the goal comes closer. We normally recommend a mix of Indian equities, debt and investing in international funds for these goals. <br />
6. Expenses on travel: Since now they are living in another country, the travel expenses might shoot up if you are traveling to be there or if they are visiting you. The number of visits every year could be pre-set too to fit the budget. It is also a possibility that they would want to explore the country they are living in and hence that may be another added expense although not a necessity. - <br />
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<a href="http://www.moneycontrol.com/master_your_money/stocks_news_consumption.php?autono=1339114#sthash.V23s1x9r.dpuf" target="_blank">See more at:</a> </div>
Srinihttp://www.blogger.com/profile/07397528550702315947noreply@blogger.com0tag:blogger.com,1999:blog-1808420233221503335.post-16352085766979024392015-03-04T18:50:00.000-08:002015-09-23T22:29:42.951-07:00You Will Become Rich- If You Know How to Sell<div dir="ltr" style="text-align: left;" trbidi="on">
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<tr><td style="text-align: center;"><a href="http://www.indeed.com/jobs?q=Technical+Architect&l=USA&indpubnum=6634974704162507" imageanchor="1" style="clear: right; margin-bottom: 1em; margin-left: auto; margin-right: auto; text-align: left;" target="_blank"><img alt="http://www.indeed.com/jobs?q=Technical+Architect&l=USA&indpubnum=6634974704162507" border="0" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgJiOgIPj8-3pnhq_TKWW6rBNBxlbY-XAzCEMomgzPQ5dYS9MjUl2u1rsb-EEwk3AXpAOruyzXrdH43My0ssEu314aSDsrLsJZDfRzlaRKj6P3V8FBhm-wjHCxPJNHuTBogmqTUgjLUwRg/s200/ID-10092528.jpg" width="132" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">[Jobs in Finance]</td></tr>
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<span style="font-family: Georgia, Times New Roman, serif;">Recently, I was doing a recruitment seminar (to fresh graduates from the local universities) for one of the large insurance companies in Singapore. I talked about how anyone could achieve time freedom and financial freedom by becoming a financial advisor in Singapore. I shared how becoming a financial advisor was a powerful strategy in becoming your own boss and having the potential of earning unlimited income WITHOUT having to have lots of startup capital.</span></div>
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<span style="font-family: Georgia, Times New Roman, serif;">What shocked me as the number one reason that stopped them from even considering the career was, ‘ we don’t like to sell’ or ‘we don’t feel comfortable with being a salesperson’ Somehow, many of these grads were under the impression that by being a graduate, selling was beneath them!</span></div>
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<span style="font-family: Georgia, Times New Roman, serif;">I looked them in the eyes and told them, ‘ If you do not like the idea of selling to someone else, you will NEVER EVER BE RICH!!!!!’ I believe that if you don’t like salespeople or if you don’t like to sell yourself, you can forget about ever becoming wealthy.</span></div>
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<span style="font-family: Georgia, Times New Roman, serif;">I believe that in order to achieve ANYTHING in life, you must be great at SELLING! If you want to land that lucrative job, you must be great at SELLING YOURSELF during the interview. If you want to get that promotion, working hard and being loyal is not good enough. It is not always the smartest and most hard working person who gets the promotion. It is the person who is able to SELL HIS IDEAS to management and the person who is able to SELL and convince top management why they are the best person for the job.</span></div>
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<span style="font-family: Georgia, Times New Roman, serif;">The person who ends up President of the United States (or any country) is not the smartest person around (look at Bush), but it is the person who is best able to SELL themselves and their ideas to the people.</span></div>
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<span style="font-family: Georgia, Times New Roman, serif;"><a href="http://www.adam-khoo.com/148/dont-like-to-sell-then-you-will-never-be-rich/" target="_blank">Read more</a></span></div>
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Srinihttp://www.blogger.com/profile/07397528550702315947noreply@blogger.com0tag:blogger.com,1999:blog-1808420233221503335.post-26276610047988405282015-02-16T05:28:00.001-08:002015-02-16T05:28:34.325-08:00Analytics On The Fly<div dir="ltr" style="text-align: left;" trbidi="on">
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The basis for real-time analytics is to have all resources at disposal in the
moment they are called for . So far, special materialized data structures, called
cubes, have been created to efficiently serve analytical reports. Such cubes are
based on a fixed number of dimensions along which analytical reports can define
their result sets. Consequently, only a particular set of reports can be served
by one cube. If other dimensions are needed, a new cube has to be created or
existing ones have to be extended. In the worst case, a linear increase in the
number of dimensions of a cube can result in an exponential growth of its
storage requirements. </div>
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Extending a cube can result in a deteriorating performance
of those reports already using it. The decision to extend a cube or build a new
one has to be considered carefully. In any case, a wide variety of cubes may be
built during the lifetime of a system to serve reporting, thus increasing
storage requirements and also maintenance efforts.</div>
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Instead of working with a predefined set of reports, business
users should be able to formulate ad-hoc reports. Their playground should be the
entire set of data the company owns, possibly including further data from
external sources. Assuming a fast in-memory database, no more pre-computed
materialized data structures are needed. As soon as changes to data are
committed to the database, they will be visible for reporting. The preparation
and conversion steps of data if still needed for reports are done during query
execution and computations take place on the fly. </div>
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Computation on the fly during
reporting on the basis of cubes that do not store data, but only provide the
interface for reporting, solves a problem that has existed up to now and allows
for performance optimization of all analytical reports likewise</div>
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Srinihttp://www.blogger.com/profile/07397528550702315947noreply@blogger.com0tag:blogger.com,1999:blog-1808420233221503335.post-72315901507549962052015-02-16T04:57:00.001-08:002015-02-16T04:57:34.033-08:00Baby Steps Of Financial Planning<div dir="ltr" style="text-align: left;" trbidi="on">
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<a href="http://srinimf.jobthread.com/" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;" target="_blank"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi5WoZ6v1H2uZj_d4lhAWMHw1pf7Hw1aqrYbKcofO8W7n0q2-SRSKb_UyeepmOfENrW7Js9rYzDM-imJbavRhS8aY7wiNU7h2ME0LMJlG9x14EwlpPUgCZNuxkUZuVziBHlEsUAkvhuf7Q/s1600/SrinimfJOBS.png" height="224" width="320" /></a></div>
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<span style="background-color: white; font-family: Georgia, Times New Roman, serif;">Do you remember the feeling that you had when you first held your child in your arms? Some say it was happiness, others say it was responsibility. A part of this sense of responsibility is to provide everything to the bundle of joy. According to a study conducted by Principal Retirement Advisors, children’s education and marriage was the top most financial goal (68%) across age groups of respondents, followed by buying a house (57%). </span></div>
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<span style="background-color: white; font-family: Georgia, Times New Roman, serif;">Mint spoke to some soon-to-be parents and new parents to understand how they plan their finances to meet their children’s needs, including day-to-day expenses, education and marriage. Here is what we found, along with suggestions on what to do to meet these financial goals. </span></div>
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<span style="background-color: white; font-family: Georgia, Times New Roman, serif;">In good faith Most parents depend on existing income for the day-to-day expenses. Mumbai-based Prianka Singh, 34, a stay-at-home mother to four-year-old Eva, and expecting her second child in two months, said, “We all know that there will be immediate financial needs such as medical care and other expenses when you are going to have a baby. We are dependent on my husband’s current income for these.” However, for the long-term needs such as education, she prefers to invest in equity. </span></div>
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<span style="background-color: white; font-family: Georgia, Times New Roman, serif;">While Singh’s choice of investment is equity, many parents choose to invest heavily in fixed deposits, insurance products and physical gold for long-term needs. Dubai-based Sreeja V. Ramachandran, a 30-year-old homemaker and mother to four-year-old Dakshina, is one of them. “We have an insurance policy and a couple of fixed deposits to meet the education needs of our child. I also invest in the form of physical gold coins every year for my daughter. These gold coins are for the marriage kitty,” said Ramachandran. Then there are those who invest only in real estate. “I have a daughter and a son. I only invest in real estate. So far, I have bought three plots near my house,” said Thrissur-based Jayan Raman, 45, who works with Kerala State Electricity Board Ltd. His daughter Archa is 5 years old and son Aromal is 6 years old. </span></div>
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<span style="background-color: white; font-family: Georgia, Times New Roman, serif;">When asked why he invested in real estate, he said, “Frankly, I don’t understand financial products such as equity. My father used to invest in land and the value of the property he bought has appreciated. I hope that the plot I have bought will also appreciate in value.” Parents try their best to provide for their children, even if they need to compromise in other areas. The blame for the trend can partly be attributed to peer pressure. “Many parents today are making choices that are steadily ratcheting up the amounts they spend on their children, be it for education or leisure. They are also losing sight of what is going on and are constantly trying to push their purchasing power,” said Chandni Parekh, a Mumbai-based social psychologist.</span></div>
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<a href="http://www.livemint.com/Money/DGdTSfw1YHzLJdetdT5auK/Baby-steps-towards-financial-planning.html?utm_source=copy" style="background-color: white;" target="_blank">Read more at </a></div>
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Srinihttp://www.blogger.com/profile/07397528550702315947noreply@blogger.com0tag:blogger.com,1999:blog-1808420233221503335.post-70186786595368937032014-10-23T03:19:00.002-07:002014-10-23T03:19:39.178-07:003 Assets to Become Millionaire<div dir="ltr" style="text-align: left;" trbidi="on">
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<iframe allowfullscreen='allowfullscreen' webkitallowfullscreen='webkitallowfullscreen' mozallowfullscreen='mozallowfullscreen' width='320' height='266' src='https://www.youtube.com/embed/d0bt7-PoCdQ?feature=player_embedded' frameborder='0'></iframe></div>
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<span style="font-size: x-large;">1. Real Estate</span><br />
<span style="font-size: x-large;">2. Business</span><br />
<span style="font-size: x-large;">3. Paper Assets</span></div>
Srinihttp://www.blogger.com/profile/07397528550702315947noreply@blogger.com0tag:blogger.com,1999:blog-1808420233221503335.post-69395149417896378212014-07-19T00:52:00.004-07:002014-07-19T00:52:49.759-07:00Excellent Tips by Warren Buffet<div dir="ltr" style="text-align: left;" trbidi="on">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiW2cbas44j21zo-GggP_Q-JVysb4GGxMG3Ba_1KDrTzmOdNpwLYiC9j9Gz0iYQxvxXKclkZks9fUZExfBIAtnJ9eHSIiEiPhtM2PRVZtpdDhXyuF7AVVucQdxuGeoAi11k4u5CCJWAlns/s1600/Untitled.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiW2cbas44j21zo-GggP_Q-JVysb4GGxMG3Ba_1KDrTzmOdNpwLYiC9j9Gz0iYQxvxXKclkZks9fUZExfBIAtnJ9eHSIiEiPhtM2PRVZtpdDhXyuF7AVVucQdxuGeoAi11k4u5CCJWAlns/s1600/Untitled.png" height="372" width="400" /></a></div>
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Srinihttp://www.blogger.com/profile/07397528550702315947noreply@blogger.com0tag:blogger.com,1999:blog-1808420233221503335.post-92039981223708084982014-06-17T20:28:00.000-07:002014-06-17T20:28:03.410-07:00India | USA jobs - srinimf.jobthread.com<div dir="ltr" style="text-align: left;" trbidi="on">
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<a href="http://srinimf.jobthread.com/" imageanchor="1" style="margin-left: 1em; margin-right: 1em;" target="_blank"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEghKnssiVYvjmeJii3m4yZ3aIxcJJzMCo-tOzeD5wBp4NBtf-4xkL0zH7ZPjmZzhbhd0CIIQu2Hsv-RuGaSh0wiGTaR-a9FWrLpHiNPV2-JbhziQsVP2spT2ouo166K7BQWnNz5fwOW-rw/s1600/srinimfjobs.png" height="176" width="320" /></a></div>
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Srinihttp://www.blogger.com/profile/07397528550702315947noreply@blogger.com0tag:blogger.com,1999:blog-1808420233221503335.post-65274982267251820702014-06-11T03:04:00.004-07:002014-06-11T03:04:45.381-07:00Training in Real Estate- Start Your Own Career<div dir="ltr" style="text-align: left;" trbidi="on">
<span style="background-color: white; color: #292929; font-family: Trebuchet, Arial, Helvetica, sans-serif; font-size: 12px; line-height: 18px; text-align: justify;">There are a number of real estate courses that aim to equip their students with some requisite knowledge, thereby giving them an edge. However, academic learning needs to be backed by hands-on, practical experience in order to reap fruits. </span><br />
<span style="background-color: white; color: #292929; font-family: Trebuchet, Arial, Helvetica, sans-serif; font-size: 12px; line-height: 18px; text-align: justify;"><br /></span>
<span style="background-color: white; color: #292929; font-family: Trebuchet, Arial, Helvetica, sans-serif; font-size: 12px; line-height: 18px; text-align: justify;">Running their own start-up firms in Real Estate and other related service sector form last 5 years Abhay Kumar, Surojit Nandy and Dr. Ganesh Nikam realised the lack of professional skills in number of real estate professional and less emphasis in formal real estate education directly impacting growth and professional standard of many real estate company specially medium size growing companies .</span><br />
<span style="background-color: white; color: #292929; font-family: Trebuchet, Arial, Helvetica, sans-serif; font-size: 12px; line-height: 18px; text-align: justify;"><br /></span>
<span style="background-color: white; color: #292929; font-family: Trebuchet, Arial, Helvetica, sans-serif; font-size: 12px; line-height: 18px; text-align: justify;">This prompted them to started</span><strong style="background: rgb(255, 255, 255); border: 0px; color: #292929; font-family: Trebuchet, Arial, Helvetica, sans-serif; font-size: 12px; line-height: 18px; list-style-type: none; margin: 0px; padding: 0px; text-align: justify; vertical-align: baseline;"> Institute of Real Estate and Finance – IREF</strong><span style="background-color: white; color: #292929; font-family: Trebuchet, Arial, Helvetica, sans-serif; font-size: 12px; line-height: 18px; text-align: justify;">,</span><br />
<span style="background-color: white; color: #292929; font-family: Trebuchet, Arial, Helvetica, sans-serif; font-size: 12px; line-height: 18px; text-align: justify;"><br /></span>
<span style="background-color: white; color: #292929; font-family: Trebuchet, Arial, Helvetica, sans-serif; font-size: 12px; line-height: 18px; text-align: justify;"><a href="http://iref.co.in/course-offer/" target="_blank">http://iref.co.in/course-offer/</a></span></div>
Srinihttp://www.blogger.com/profile/07397528550702315947noreply@blogger.com0tag:blogger.com,1999:blog-1808420233221503335.post-30942255517897490302014-06-04T02:20:00.002-07:002014-06-04T02:20:32.214-07:00How to Turn $40 Into $10 Million<div dir="ltr" style="text-align: left;" trbidi="on">
<br />
<ol style="text-align: left;">
<li><strong style="background-color: white; border: 0px; font-family: Arial, Helvetica, sans-serif; font-size: 14px; line-height: 22px; margin: 0px; padding: 0px;">The power of patience </strong></li>
<li><strong style="background-color: white; border: 0px; font-family: Arial, Helvetica, sans-serif; font-size: 14px; line-height: 22px; margin: 0px; padding: 0px;"><strong style="border: 0px; margin: 0px; padding: 0px;">The dangers of timing </strong></strong></li>
<li><strong style="background-color: white; border: 0px; font-family: Arial, Helvetica, sans-serif; font-size: 14px; line-height: 22px; margin: 0px; padding: 0px;"><strong style="border: 0px; margin: 0px; padding: 0px;"><strong style="border: 0px; margin: 0px; padding: 0px;">Investing for the long term </strong></strong></strong></li>
</ol>
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<span style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: 14px; line-height: 20px;">One bleeding-edge technology is about to put the World-Wide-Web to bed. And if you act right away, it could make you wildly rich.</span></div>
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<span style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: 14px; line-height: 20px;"><br /></span></div>
<br />
Get your Free Report . <a href="http://www.fool.com/ecap/the_motley_fool/homerun-warren-buffett-tells-you-how-to-turn-40-2/?paid=7283&psource=esatab7410860091&waid=7284&wsource=esatabwdg0860079&utm_source=taboola&utm_medium=referral" target="_blank">Read tips from Warren buffett.</a></div>
Srinihttp://www.blogger.com/profile/07397528550702315947noreply@blogger.com0tag:blogger.com,1999:blog-1808420233221503335.post-80155776718032726482014-05-28T01:01:00.003-07:002014-05-28T01:02:37.936-07:00Share Market Tip -6<div dir="ltr" style="text-align: left;" trbidi="on">
<strong style="background-color: white; color: #111111; font-family: Verdana, Geneva, sans-serif; font-size: 15px; line-height: 22.5px;"> Pick a strategy and stick with it.</strong><br />
<span style="background-color: white; color: #111111; font-family: Verdana, Geneva, sans-serif; font-size: 15px; line-height: 22.5px;">Different people use different methods to pick stocks and fulfill investing goals. There are many ways to be successful and no one strategy is inherently better than any other. However, once you find your style, stick with it. An investor who flounders between different stock-picking strategies will probably experience the worst, rather than the best, of each. Constantly switching strategies effectively makes you a </span><span style="color: #0066cc; font-family: Verdana, Geneva, sans-serif;"><span style="background-color: white; cursor: pointer; font-size: 15px; line-height: 22.5px;">market timer</span></span><span style="background-color: white; color: #111111; font-family: Verdana, Geneva, sans-serif; font-size: 15px; line-height: 22.5px;">, and this is definitely territory most investors should avoid. Take </span><span style="color: #0066cc; font-family: Verdana, Geneva, sans-serif;"><span style="background-color: white; cursor: pointer; font-size: 15px; line-height: 22.5px;">Warren Buffett's</span></span><span style="background-color: white; color: #111111; font-family: Verdana, Geneva, sans-serif; font-size: 15px; line-height: 22.5px;"> actions during the</span><span style="color: #0066cc; font-family: Verdana, Geneva, sans-serif;"><span style="background-color: white; cursor: pointer; font-size: 15px; line-height: 22.5px;">dotcom</span></span><span style="background-color: white; color: #111111; font-family: Verdana, Geneva, sans-serif; font-size: 15px; line-height: 22.5px;"> boom of the late '90s as an example. Buffett's </span><span style="color: #0066cc; font-family: Verdana, Geneva, sans-serif;"><span style="background-color: white; cursor: pointer; font-size: 15px; line-height: 22.5px;">value-oriented</span></span><span style="background-color: white; color: #111111; font-family: Verdana, Geneva, sans-serif; font-size: 15px; line-height: 22.5px;"> strategy had worked for him for decades, and - despite criticism from the media - it prevented him from getting sucked into tech startups that had no earnings and eventually crashed. (Want to adopt the Oracle of Omaha's investing style? See </span><em style="background-color: white; color: #111111; font-family: Verdana, Geneva, sans-serif; font-size: 15px; line-height: 22.5px;"><em style="color: #0066cc; cursor: pointer; text-decoration: none;">Think Like Warren Buffett</em></em><span style="background-color: white; color: #111111; font-family: Verdana, Geneva, sans-serif; font-size: 15px; line-height: 22.5px;">.)</span></div>
Srinihttp://www.blogger.com/profile/07397528550702315947noreply@blogger.com0tag:blogger.com,1999:blog-1808420233221503335.post-22396030889143908182014-05-28T00:50:00.003-07:002014-05-28T00:51:51.689-07:00Commodities - Investment Option<div dir="ltr" style="text-align: left;" trbidi="on">
<ol style="color: #111111; font-family: Verdana, Geneva, sans-serif; font-size: 13px;">
<li><a href="http://www.investopedia.com/university/commodities/" style="color: #0066cc; cursor: pointer; text-decoration: none;">Commodities: Introduction</a></li>
<li><a href="http://www.investopedia.com/university/commodities/commodities1.asp" style="color: #0066cc; cursor: pointer; text-decoration: none;">Commodities: Cocoa</a></li>
<li><a href="http://www.investopedia.com/university/commodities/commodities2.asp" style="color: #0066cc; cursor: pointer; text-decoration: none;">Commodities: Coffee</a></li>
<li><a href="http://www.investopedia.com/university/commodities/commodities3.asp" style="color: #0066cc; cursor: pointer; text-decoration: none;">Commodities: Copper</a></li>
<li><a href="http://www.investopedia.com/university/commodities/commodities4.asp" style="color: #0066cc; cursor: pointer; text-decoration: none;">Commodities: Corn</a></li>
<li><a href="http://www.investopedia.com/university/commodities/commodities5.asp" style="color: #0066cc; cursor: pointer; text-decoration: none;">Commodities: Cotton</a></li>
<li><a href="http://www.investopedia.com/university/commodities/commodities6.asp" style="color: #0066cc; cursor: pointer; text-decoration: none;">Commodities: Crude Oil</a></li>
<li><a href="http://www.investopedia.com/university/commodities/commodities7.asp" style="color: #0066cc; cursor: pointer; text-decoration: none;">Commodities: Feeder Cattle</a></li>
<li><strong><a href="http://www.investopedia.com/university/commodities/commodities8.asp" target="_blank">Commodities: Gold</a></strong></li>
<li><a href="http://www.investopedia.com/university/commodities/commodities9.asp" style="color: #0066cc; cursor: pointer; text-decoration: none;">Commodities: Heating Oil</a></li>
<li><a href="http://www.investopedia.com/university/commodities/commodities10.asp" style="color: #0066cc; cursor: pointer; text-decoration: none;">Commodities: Live Cattle</a></li>
<li><a href="http://www.investopedia.com/university/commodities/commodities11.asp" style="color: #0066cc; cursor: pointer; text-decoration: none;">Commodities: Lumber</a></li>
<li><a href="http://www.investopedia.com/university/commodities/commodities12.asp" style="color: #0066cc; cursor: pointer; text-decoration: none;">Commodities: Natural Gas</a></li>
<li><a href="http://www.investopedia.com/university/commodities/commodities13.asp" style="color: #0066cc; cursor: pointer; text-decoration: none;">Commodities: Oats</a></li>
<li><a href="http://www.investopedia.com/university/commodities/commodities14.asp" style="color: #0066cc; cursor: pointer; text-decoration: none;">Commodities: Orange Juice</a></li>
<li><a href="http://www.investopedia.com/university/commodities/commodities15.asp" style="color: #0066cc; cursor: pointer; text-decoration: none;">Commodities: Platinum</a></li>
<li><a href="http://www.investopedia.com/university/commodities/commodities16.asp" style="color: #0066cc; cursor: pointer; text-decoration: none;">Commodities: Pork Bellies</a></li>
<li><a href="http://www.investopedia.com/university/commodities/commodities17.asp" style="color: #0066cc; cursor: pointer; text-decoration: none;">Commodities: Rough Rice</a></li>
<li><a href="http://www.investopedia.com/university/commodities/commodities18.asp" style="color: #0066cc; cursor: pointer; text-decoration: none;">Commodities: Silver</a></li>
<li><a href="http://www.investopedia.com/university/commodities/commodities19.asp" style="color: #1c74e0; cursor: pointer;">Commodities: Soybeans</a></li>
<li><a href="http://www.investopedia.com/university/commodities/commodities20.asp" style="color: #0066cc; cursor: pointer; text-decoration: none;">Commodities: Sugar</a></li>
<li><a href="http://www.investopedia.com/university/commodities/commodities21.asp" style="color: #0066cc; cursor: pointer; text-decoration: none;">Commodities: Conclusion</a></li>
</ol>
<div>
<span style="color: #111111; font-family: Verdana, Geneva, sans-serif; font-size: x-small;">Reference: Investopedia</span></div>
</div>
Srinihttp://www.blogger.com/profile/07397528550702315947noreply@blogger.com0tag:blogger.com,1999:blog-1808420233221503335.post-2210156013063727332014-05-23T04:28:00.002-07:002014-05-23T04:28:52.869-07:003 Investment Tips For Young People<div dir="ltr" style="text-align: left;" trbidi="on">
<span style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: 14px; line-height: 22px;"><b>Time</b></span><br />
<span style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: 14px; line-height: 22px;">One of the greatest advantages a young investor has is </span><em style="background-color: white; border: 0px; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: 14px; line-height: 22px; margin: 0px; padding: 0px;">time</em><span style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: 14px; line-height: 22px;">. Investing legend Peter Lynch, who saw average annual returns of 29% during his tenure managing Fidelity's Magellan fund from 1977 to 1990, encourages all investors to start investing young by saving money in a retirement account. </span><br />
<span style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: 14px; line-height: 22px;"><br /></span>
<span style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: 14px; line-height: 22px;"><b>Invest in What You Know</b></span><br />
<span style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: 14px; line-height: 22px;">addition to time, younger investors should make use of Peter Lynch's "invest in what you know" philosophy. "The worst thing you can do," contends Lynch, "is invest in companies you know nothing about." </span><br />
<span style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: 14px; line-height: 22px;"><br /></span>
<span style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: 14px; line-height: 22px;"><b>Parents Training</b></span><br />
<span style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: 14px; line-height: 22px;">Whether you are a new or experienced investor, it's wise to take the words of investing greats like Peter Lynch seriously. Warren Buffett similarly encourages parents to teach their children the importance of saving money at an </span>early age<span style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: 14px; line-height: 22px;">.</span><br />
<span style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: 14px; line-height: 22px;"><br /></span>
<span style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: 14px; line-height: 22px;"><b>Invest like The Best</b></span><br />
<span style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: 14px; line-height: 22px;">Warren Buffett has made billions through his investing and he wants you to be able to invest like him. Through the years, Buffett has offered up investing tips to shareholders of Berkshire Hathaway.</span></div>
Srinihttp://www.blogger.com/profile/07397528550702315947noreply@blogger.com0tag:blogger.com,1999:blog-1808420233221503335.post-49785343455311013442014-05-18T19:30:00.001-07:002014-05-18T19:30:11.563-07:003 Tips When To Buy a Stock<div dir="ltr" style="text-align: left;" trbidi="on">
<strong style="background-color: white; color: #111111; font-family: Verdana, Geneva, sans-serif; font-size: 15px; line-height: 22.5px;">Increasing Sales</strong><span style="background-color: white; color: #111111; font-family: Verdana, Geneva, sans-serif; font-size: 15px; line-height: 22.5px;">Is the company growing its </span>sales<span style="background-color: white; color: #111111; font-family: Verdana, Geneva, sans-serif; font-size: 15px; line-height: 22.5px;">, and if so, is the sales growth real, or related to one-time events? This means you'll have to read the entire press release to both take in what management said about the </span>quarter<span style="background-color: white; color: #111111; font-family: Verdana, Geneva, sans-serif; font-size: 15px; line-height: 22.5px;">, as well as look at the numbers. Did the company experience internal growth, or did it sell an </span>asset<span style="background-color: white; color: #111111; font-family: Verdana, Geneva, sans-serif; font-size: 15px; line-height: 22.5px;"> or experience some other windfall that makes it seem like it's growing? </span><br />
<span style="background-color: white; color: #111111; font-family: Verdana, Geneva, sans-serif; font-size: 15px; line-height: 22.5px;"><br /></span>
<span style="background-color: white; color: #111111; font-family: Verdana, Geneva, sans-serif; font-size: 15px; line-height: 22.5px;">Annual growth is required. Year to year there is definite growth in smaller companies.</span><br />
<span style="background-color: white; color: #111111; font-family: Verdana, Geneva, sans-serif; font-size: 15px; line-height: 22.5px;"><br /></span>
<strong style="background-color: white; color: #111111; font-family: Verdana, Geneva, sans-serif; font-size: 15px; line-height: 22.5px;">Improving Margins</strong><span style="background-color: white; color: #111111; font-family: Verdana, Geneva, sans-serif; font-size: 15px; line-height: 22.5px;">The sales line is improving. Is its </span>cost of goods sold<span style="background-color: white; color: #111111; font-family: Verdana, Geneva, sans-serif; font-size: 15px; line-height: 22.5px;">line item, or its </span>selling, general and administrative expense<span style="background-color: white; color: #111111; font-family: Verdana, Geneva, sans-serif; font-size: 15px; line-height: 22.5px;"> line on its income statement going up at a faster rate? If so, it could be because the company is just entering into a new business or launching a new product and is experiencing some growing pains or paying for some start-up costs. However, this could also mean that the company is doing a poor job of managing its expenses. Management's discussion of the quarterly results will help you glean that information.</span><br />
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<strong style="color: #111111; font-family: Verdana, Geneva, sans-serif; font-size: 15px; line-height: 22.5px;">New Products</strong><span style="background-color: white; color: #111111; font-family: Verdana, Geneva, sans-serif; font-size: 15px; line-height: 22.5px;"><strong><br /></strong>In a short period of time, it's almost impossible to determine whether a product will be a winner or not. However, it could be a big mistake to overlook these stocks, because new products will often garner a lot of attention from both consumers and investors. This often helps move the share price higher in the near term. In addition, the company has probably already spent a huge amount of money on R&D and initial promotions as it positions itself to take in a whole lot of money with fewer (namely R&D) expenses.</span></div>
Srinihttp://www.blogger.com/profile/07397528550702315947noreply@blogger.com0tag:blogger.com,1999:blog-1808420233221503335.post-42860794184819718682014-05-18T03:45:00.002-07:002014-05-18T03:54:28.745-07:00India - Real Estate Agent Licensing Exam<div dir="ltr" style="text-align: left;" trbidi="on">
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It is well-known that real estate is a major source not only to conceal but also generate unaccounted money. Apart from the demand, one of the main reasons for the increase in cost of land is the role of intermediaries in transaction of lands.<br />
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In the absence of any licence necessary for doing real estate business in India, many have entered this field as this gets high profit in a short time. Guideline values, fixed by the Registration Department, are low in many areas especially where there are very little transactions. In regard to the value of land in the peripheries of the cities, especially which are designated as Residential Use in the Master Plan while being physically used for agriculture and dry lands, the GL value is very low. The incentive offered in the IT policy is that there is no need to apply for conversion of use zones. This includes land designated for agricultural use by planning authorities.<br />
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<b><a href="https://www.iire.co.in/CoursePrograms.aspx" target="_blank">IIRE</a></b> offers real estate courses and programs and other services such as real estate research. IIRE’s courses and programs are contemporary in methodology and offer hands on experience that is vital to excel in the marketplace. Currently, IIRE offers the following programs.</h4>
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<strong style="margin: 0px; padding: 0px;">1. Principles and Practices of Real Estate (PPRE)</strong></div>
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<strong style="margin: 0px; padding: 0px;">2. Fundamentals of Property Management. (FPM)</strong></div>
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<strong style="margin: 0px; padding: 0px;">3. Transnational Referral Certification (TRC)</strong></div>
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<strong style="margin: 0px; padding: 0px;"><span style="color: black;">This institute also offering courses of tailor made.</span></strong></div>
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Srinihttp://www.blogger.com/profile/07397528550702315947noreply@blogger.com0tag:blogger.com,1999:blog-1808420233221503335.post-78544537606968172652014-05-17T23:30:00.000-07:002014-05-17T23:58:14.626-07:00Where To Park Excess Cash<div dir="ltr" style="text-align: left;" trbidi="on">
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<b style="font-family: 'Trebuchet MS', sans-serif;">Parking Your Cash :-</b></div>
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<span style="font-family: Trebuchet MS, sans-serif;"><u>Bank Fixed deposits/Post office deposits:</u> Save money for months as you like. Minimum 6 months to 10 years</span><br /><span style="font-family: Trebuchet MS, sans-serif;"><u>Savings Accounts:</u> You can park your money. You will get less interest.</span><br /><span style="font-family: Trebuchet MS, sans-serif;"><u>Current Account:</u> Business people can park money.</span><br /><span style="font-family: Trebuchet MS, sans-serif;"><u>Short Term Funds:</u> Just like mutual funds. You can invest money for Short term(less than 365 days).</span><br /><span style="font-family: Trebuchet MS, sans-serif;"><u>Company bonds: </u>Usually you will get more interest on company bonds.</span><br /><span style="font-family: Trebuchet MS, sans-serif;"><u>India Government Security Bonds</u>: You can park your money for good interest and security.</span><br />
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<span style="font-family: Trebuchet MS, sans-serif;"><a href="http://www.rbi.org.in/scripts/FAQView.aspx?Id=79#2">details here</a></span></div>
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<span style="font-family: Trebuchet MS, sans-serif;"><b>Based on India Banking System.</b></span></div>
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Srinihttp://www.blogger.com/profile/07397528550702315947noreply@blogger.com0tag:blogger.com,1999:blog-1808420233221503335.post-88089485294738555292014-05-17T23:10:00.003-07:002014-05-17T23:57:31.713-07:00Best Quotes - Richest Man in Babylon<div dir="ltr" style="text-align: left;" trbidi="on">
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<li><span style="font-family: Verdana, sans-serif; font-weight: normal;">A part of all you earn is yours to keep. It should be not less than a tenth no matter how little you earn. It can be as much more as you can afford. Pay yourself first. Do not buy from the clothes maker and the sandal-maker more than you can pay out of the rest and still have enough for food and charity and penance to the gods</span></li>
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<li><span style="font-family: Verdana, sans-serif; font-weight: normal;">Wealth, like a tree, grows from a tiny seed. The first copper you save is the seed from which your tree of wealth shall grow. The sooner you plant that seed the sooner shall the tree grow. And the more faithfully you nourish and water that tree with consistent savings, the sooner may you bask in contentment beneath its shade</span></li>
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<li><span style="font-family: Verdana, sans-serif; font-weight: normal;">You have taught yourself how to acquire money, how to keep it, and how to use it. Therefore, you are competent for a responsible position. I am becoming an old man. My sons think only of spending and give no thought to earning. My interests are great and I fear too much for me to look after. If you will go to Nippur and look after my lands there, I shall make you my partner and you shall share in my estate.'</span></li>
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Srinihttp://www.blogger.com/profile/07397528550702315947noreply@blogger.com0tag:blogger.com,1999:blog-1808420233221503335.post-82920085130245737952014-05-17T22:50:00.003-07:002014-05-17T22:50:45.431-07:00The amazing tale of the Mississippi washer woman<div dir="ltr" style="text-align: left;" trbidi="on">
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<b>Investment Tips</b><br />Oseola McCarty was born in Mississippi in 1908. For nearly 75 years, she lived in the same simple house, washing other people's clothes for a living and putting whatever money she could into savings accounts at local banks.</div>
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In the summer of 1995, Oseola made local and then national headlines when she donated $150,000 to the University of Southern Mississippi to establish a scholarship fund. "I just figured the money would do [scholarship recipients] a lot more good than it would me," she said. It soon came out that this washer woman had managed to amass nearly <em style="border: 0px; font-family: inherit; font-weight: inherit; margin: 0px; padding: 0px;">one quarter of a million dollars</em> over her lifetime.</div>
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Time -- a key part of the compounding equation -- helped turn her meager early investments into hundreds of thousands of dollars.</div>
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Srinihttp://www.blogger.com/profile/07397528550702315947noreply@blogger.com0tag:blogger.com,1999:blog-1808420233221503335.post-81594402736144064362014-05-17T07:39:00.000-07:002014-05-17T07:39:08.176-07:00Share Market Tip -5<div dir="ltr" style="text-align: left;" trbidi="on">
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Resist the lure of penny stocks</h2>
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A common misconception is that there is less to lose in buying a low-priced stock. But whether you buy a $5 stock that plunges to $0 or a $75 stock that does the same, either way you've lost 100% of your initial investment. A lousy $5 company has just as much downside risk as a lousy $75 company. In fact, a penny stock is probably riskier than a company with a higher share price, which would have more regulations placed on it.</div>
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Srinihttp://www.blogger.com/profile/07397528550702315947noreply@blogger.com0tag:blogger.com,1999:blog-1808420233221503335.post-9990909888656563742014-05-16T18:50:00.000-07:002014-05-16T18:50:02.461-07:00Share Market Tip - 4<div dir="ltr" style="text-align: left;" trbidi="on">
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Don't overemphasize the P/E ratio</h2>
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Investors often place too much importance on the price-earnings ratio (P/E ratio). Because it is one key tool among many, using only this ratio to make buy or sell decisions is dangerous and ill-advised. The P/E ratio must be interpreted within a context, and it should be used in conjunction with other analytical processes. So, a low P/E ratio doesn't necessarily mean a security is undervalued, nor does a high P/E ratio necessarily mean a company is overvalued. </div>
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Srinihttp://www.blogger.com/profile/07397528550702315947noreply@blogger.com0tag:blogger.com,1999:blog-1808420233221503335.post-47207890694983709372014-05-16T04:35:00.000-07:002014-05-16T04:35:02.819-07:00Share Market Tip - 3<div dir="ltr" style="text-align: left;" trbidi="on">
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Don't sweat the small stuff</h2>
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<span style="line-height: 1.5em;">As a long-term investor, you shouldn't panic when your investments experience short-term movements. When tracking the activities of your investments, you should look at the big picture. Remember to be confident in the quality of your investments rather than nervous about the inevitable volatility of the short term. Also, don't overemphasize the few cents difference you might save from using a limit versus market order.</span></div>
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<br /><br />Granted, active traders will use these day-to-day and even minute-to-minute fluctuations as a way to make gains. But the gains of a long-term investor come from a completely different market movement - the one that occurs over many years - so keep your focus on developing your overall investment philosophy by educating yourself. </div>
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Reference:Investopedia</div>
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Srinihttp://www.blogger.com/profile/07397528550702315947noreply@blogger.com0tag:blogger.com,1999:blog-1808420233221503335.post-16892459907828268232014-05-15T06:01:00.000-07:002014-05-15T08:41:03.654-07:00Share Market Tip - 2<div dir="ltr" style="text-align: left;" trbidi="on">
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Don't chase a "hot tip</h2>
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<span style="color: #111111; font-family: Verdana, Geneva, sans-serif; font-size: 15px; line-height: 1.5em;">Whether the tip comes from your brother, your cousin, your neighbor or even your broker, you shouldn't accept it as law. When you make an investment, it's important you know the reasons for doing so; do your own research and analysis of any company before you even consider investing your hard-earned money. Relying on a tidbit of information from someone else is not only an attempt at taking the easy way out, it's also a type of gambling. Sure, with some luck, tips sometimes pan out. But they will never make you an informed investor, which is what you need to be to be successful in the long run.</span></h2>
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Ref:Investopedia</div>
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Srinihttp://www.blogger.com/profile/07397528550702315947noreply@blogger.com0tag:blogger.com,1999:blog-1808420233221503335.post-30208301152455513072014-05-15T03:16:00.002-07:002014-05-18T05:03:37.868-07:00Free - EMI Calculator<div dir="ltr" style="text-align: left;" trbidi="on">
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Loan
<script type="text/javascript" id="WolframAlphaScripta0f4c701bacdb0ad4d0b5e3a14f9354e" src="http://www.wolframalpha.com/widget/widget.jsp?id=a0f4c701bacdb0ad4d0b5e3a14f9354e&theme=green"></script>Srinihttp://www.blogger.com/profile/07397528550702315947noreply@blogger.com0