Money Talk India Finance Forum (MTIFF)https://enidhi.forumotion.com/feed/?type=atom2012-05-29T10:48:59Zhttps://i.servimg.com/u/f34/11/82/36/58/mtiffl10.jpgLatest topicsNew investor2012-05-29T10:48:59Zmr.dhirajI am a new investor investing for the 1st time.
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i have heard about many mutual fund schemes from reliance. HSBC, HDFC, birla etc.
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can anyone suggest me which one is better??
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thanks.https://enidhi.forumotion.com/t212-new-investorMutual Funds Concept......2012-05-29T10:06:40Zjiten702Mutual fund is nothing but pooling the resources by issuing units to the investors and investing funds in securities in accordance with objectives as disclosed in offer document. Here,investments may be in shares, debt securities, money market securities or a combination of these. This money is then invested by the fund/investment manager according to the objective of the scheme. The several ways to invest in mutual funds help people to customize their investment portfolio according to their need.
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Mutual funds come with a number of different schemes with different investment objectives that are launched from time to time like schemes according to maturity period, schemes according to investment objectives, special schemes etc. Your pile of investment will only grow when you will invest in the right fund taking into account your investment objectives. https://enidhi.forumotion.com/t431-mutual-funds-conceptSriloans-The Best Personal, Car and Home Loans on the Market2012-04-19T05:53:08ZsaravananccsThere are many companies in India, and also finance brokers who will find you the best <strong>personal </strong>or <strong>car loans</strong> as well as the <strong>best home loan</strong>. They will provide you with a total finance solution and it will be combined with professional and friendly service. They can arrange bad credit loans particularly for people with impaired credit files and bad credit histories. They also help first home buyers and the self employed.
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Mortgage Consultants usually have considerable experience in the finance industry and specialize in bad credit loans. They have access to the most competitive <strong>personal and car loans</strong> available from over 30 different lending institutions. They can also find you the very best <strong>home loan or mortgage</strong> on the market.
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Visit We Arrange Home Loans in Chennai and allover India | Need Personal Loans Chennai | ICICI Car Loan Agent | SBI Personal Loans to your loan consultant and find out how simple it can be to <strong>arrange a home loan</strong>.https://enidhi.forumotion.com/t336-sriloans-the-best-personal-car-and-home-loans-on-the-market10 reasons for investing in Mutual funds........2012-04-18T08:21:43Zjiten702If you are new to investing, here i give you 10 reasons for investing in one of the most lucrative investment option i.e. Mutual funds:
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<ul>
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<strong><li>Portfolio Diversification:</strong> Mutual funds are a convenient and affordable way of gaining access to a wide range of investments that would be very difficult and time-consuming to purchase and manage individually.
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<strong></li><li>Professional management:</strong> Mutual fund investments are managed by experienced professionals who devote themselves exclusively to tracking the markets, analyzing investments and implementing a consistent investment strategy.
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<strong></li><li>Flexibility to meet your needs and goals:</strong> A wide range of mutual funds are available to help meet the needs of every type of investor, from conservative to very aggressive & they also meet various investment goals like establishing an emergency fund to saving for a vacation, retirement or education.
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<strong></li><li>Convenient Administration:</strong> Investing in a Mutual Fund reduces paperwork and helps you avoid many problems such as bad deliveries, delayed payments and unnecessary follow up with brokers and companies. They save your time and make investing easy and convenient.
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<strong></li><li>Return Potential:</strong> Over a medium to longterm, Mutual Funds have the potential to provide a higher return as they invest in a diversified basket of selected securities.
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<strong></li><li>Low Costs:</strong> Mutual Funds are a relatively less expensive way to invest compared to directly investing in the capital markets because the benefits of scale in brokerage, custodial and other fees translate into lower costs for investors.
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<strong></li><li>Liquidity:</strong> In open-ended schemes, you can get your money back promptly at Asset Value (NAV) related prices from the Mutual Fund itself. With close-ended schemes, you can sell your units on a stock exchange at the prevailing market price or avail of the facility of repurchase through Mutual Funds at NAV related prices which some close-ended and interval schemes offer you periodically.
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<strong></li><li>Transparency:</strong> You get regular information on the value of your investment in addition to disclosure on the specific investments made by your scheme, the proportion invested in each class of assets and the fund manager’s investment strategy and outlook.
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<strong></li><li>Flexibility:</strong> Through features such as Systematic Investment Plans (SIP), Systematic Withdrawal Plans (SWP) and dividend reinvestment plans, you can systematically invest or withdraw funds according to your needs and convenience.
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<strong></li><li>Well Regulated</strong>: All Mutual Funds are registered with SEBI(Securities & Exchange board of India) and they function within the provisions of strict regulations designed to protect the interests of investors. The operations of Mutual Funds are regularly monitored by SEBI.
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</li></ul>
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https://enidhi.forumotion.com/t496-10-reasons-for-investing-in-mutual-fundsFixed Deposit Rates for ALL Indian Banks2012-02-29T11:01:45ZringostarHi,
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Came across this <font color="red">website</font> recently. It lists FD rates of <strong>ALL</strong> Indian banks on one page. Tremendously useful to do some quick comparisons.
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And given the current market scenario, FD's don't seem such a bad option either. <img src="https://illiweb.com/fa/i/smiles/icon_biggrin.png" alt="Very Happy" longdesc="1" />https://enidhi.forumotion.com/t103-fixed-deposit-rates-for-all-indian-banksInvest in Fixed deposits....2012-02-29T10:55:43Zjiten702Fixed Deposits(FDs) are financial instruments where an investor deposits a lump sum of money for a fixed period ranging from a few weeks to a few years and earns a pre-determined rate of interest. One of the factors that influence the rate of interest would be the tenure of the deposit.FDs are normally offered by banks. Fixed deposits are a secured way to save your hard earned money.https://enidhi.forumotion.com/t413-invest-in-fixed-depositsMutual fund Questions!2012-01-25T06:50:38Zlakhvindercan someone here give me any information about Reliance Diversified Power Sector Fund,i believe An open-ended Power sector Scheme?https://enidhi.forumotion.com/t198-mutual-fund-questionsBest Alternative to Business Loans2012-01-25T06:00:58ZsaravananccsThe prestigious <i>Sriloans </i>independently owned and operated <strong><i>loan brokerage companies</i></strong>. These companies offer highly personalized service and help cut through the red tape that is often involved in <strong>securing business loans</strong> from banks and other lending institutions. You save time by having your loan or lease directed to the most appropriate funding source. You are not limited to one funding source. A bank has one program; a <strong>Business loan</strong> Consultant has hundreds of programs, available for their clients.
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Visit <a href="http://www.sriloans.com" target="_blank" rel="nofollow">http://www.sriloans.com</a> our service offers the industry's <i>best alternative to a business loan</i>.https://enidhi.forumotion.com/t209-best-alternative-to-business-loansTypes of mutual fund schemes...2011-12-16T11:24:39Zjiten702Based on investment objective mutual fund schemes can be classified into three broad categories:
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<ul>
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<li>Equity Funds,
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</li><li>Debt Funds and
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</li><li>Balanced Funds.</li></ul>
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Equity Funds invest in equity shares of companies available in stock market. Within equity funds there can be diversified equity funds, sector funds, ELSS funds, index funds etc.
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Debt Funds/Income Funds invest in fixed interest bearing instruments like bonds, debentures, government securities, treasury bill, certificate of deposits, commercial paper etc issued by corporates and government.
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The combination of above two is Balanced Funds, which take minimum of 65% exposure to equity shares and remaining 35% in debt instrument.https://enidhi.forumotion.com/t508-types-of-mutual-fund-schemesDo you think chit funds are safe?2011-12-16T11:21:24ZdileepHi all,
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I saw in many places that chit funds give high returns which can be much greater than any share market profit, but is it safe enough to put the money in chit funds? How to belive the person who is conducting chit fund business ? Does he has to take an agreement with any of the government office to start business ?
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- Dileep.https://enidhi.forumotion.com/t4-do-you-think-chit-funds-are-safeNeed Land in BLR2011-12-16T07:09:03ZrakeshkambleI am looking out for investing around 5-6L on Land.. Basically looking in BLR, Mysore, Hubli, Mangalore.
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Suggestions and referals are open.https://enidhi.forumotion.com/t26-need-land-in-blrLow Interest Rate Loan Provider in India2011-12-16T06:43:37Zsaravananccs<strong><i>Sriloans </i></strong>is an India based company has great experience in arranging suitable loan option for the residents of the India. We are a reliable online arranger of <strong><i>different kind of finances</i></strong>, work in association with some of the well-known loan providers to fetch you the feasible funds for fulfilling immediate requirements.
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We at <strong><i>Sriloans </i></strong>aim to arrange a wide variety of options for you. Some of the services that are accessible through us are <i>personal loans, Car Loans, Home Loans, Business loans, secured loans and unsecured loans</i>. You can opt for any of our services to meet your specific necessities.
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Visit <a href="http://www.sriloans.com" target="_blank" rel="nofollow">http://www.sriloans.com</a> we offer several beneficial facilities. Our aim is to provide you the loan amount at <strong><i>cheap interest rates</i></strong>, which is easily affordable for everyone.https://enidhi.forumotion.com/t202-low-interest-rate-loan-provider-in-indiaMutual Funds Investing : Dividend or Growth option ? Which one to choose?2011-11-25T09:38:02Zjiten702Selecting either dividend or growth option entirely depends on investment objective and profile of investor.
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If an investor wants a regular income through his investment in form of dividend then he can go for dividend option but one thing has to be remembered that dividend is not guaranteed and regular. If a fund house has declared 20% dividend in a scheme last year that does not mean dividend will be declared under the same scheme this year as well and quantum of dividend also varies year after year.
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But if an investor is looking for wealth creation by investing for long period of time then growth option can be an ideal as profit generated by fund remains within the scheme and NAV keep growing over a period of time.
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So,opt for dividend option if you are looking for regular income from your investment otherwise opt for growth option to build long term wealth and take advantage of power of compounding.
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So Whether to go for dividend option or growth option depends on every investor's investment horizon, risk taking capability and objective. https://enidhi.forumotion.com/t497-mutual-funds-investing-dividend-or-growth-option-which-one-to-chooseHome mortgage2011-11-25T09:28:19ZloanshomeQuick Easy Home mortgage Loans We know that trying to get a personal loan can be a difficult time for some people. Apply & get for more go to bad credit placehttps://enidhi.forumotion.com/t203-home-mortgageThe Best Interest Rate Home Loan in Chennai.2011-11-16T05:53:17ZsaravananccsSriloans <strong><i>Home Loan</i></strong> recommend that, before you choose this basic loan, you make sure you wouldn't be better off to borrow on a loan with a range of extras (such as fee free credit cards and accounts etc) and that you compare the costs of getting these extras separately. It may be that a <i>low interest rate home loan</i> is not the best option in the long-run, so we advise you to discuss your choice of options and any final decisions with your financial advisor or solicitor.
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With all this advice in mind, the lowest mortgage rate home loans are consistently chosen by home-owners and remain an extremely popular and more affordable option. Please contact one of our consultants and draw upon their knowledge of the hundreds of loans available if you have any questions or if we can assist you in any way or please click here to apply now. The best way to check if you're able to begin searching for your first home is to contact a professional mortgage broker. You'll be helped to understand your full borrowing capacity, you'll know how much your repayments will be and, best of all, a <strong>Sriloans Home Loan</strong> mortgage broker will make sure you're applying for the best possible first home loan to suit your needs and your goals.
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Visit <a href="http://www.sriloans.com" target="_blank" rel="nofollow">http://www.sriloans.com</a> the good news - you pay a lower mortgage interest rate compared to most other <strong><i>Home loan</i></strong> options and can save extensively on repayments.https://enidhi.forumotion.com/t185-the-best-interest-rate-home-loan-in-chennaiPlan your investments in Mutual funds....2011-11-16T05:45:10Zjiten702Everyone needs to have some sort of investments for their future & this future planning entirely depends on the right kind of investments. There are many different types of financial investments available to investors but mutual funds are one of the most popular & primary investment avenue on which millions of investors rely. The reason mutual funds are being talked about a lot is the plethora of investment choices they offer.
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https://enidhi.forumotion.com/t506-plan-your-investments-in-mutual-fundsread finance experts loans helping articles2011-11-08T11:29:19Zbaigearn4read finance experts loans helping articles
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visit
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<a href="http://worldfinance.webs.com/loans.htm" target="_blank" rel="nofollow">http://worldfinance.webs.com/loans.htm</a>https://enidhi.forumotion.com/t130-read-finance-experts-loans-helping-articlesTips to save tax: Easy and Smart planning2011-10-13T08:46:08ZjiyobefikarTax planning is an annual
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exercise. Yet, we spend sleepless nights over it as we are ignorant of
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effective tax planning techniques. Most of us do it in the end of financial
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year. Result: We end up making investments we later regret. Given below are
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tips for smarter tax planning:
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1)
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<strong><i>Start Early:</i></strong> It is best to start
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planning at the beginning of the year. But if you are late, resort to quick-fix
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tips as illustrated below.
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<br />
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<strong><i>2)
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</i></strong><strong><i>Know your tax liability:</i></strong> Based on
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the tax slabs issued by the government as per tax norms for the financial year
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2010, know your tax liability. <a href="http://buyigain.com/igain/igain/index.jsp" target="_blank" rel="nofollow">http://buyigain.com/igain/igain/index.jsp</a><strong></strong>
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<strong><i>3)
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</i></strong> <strong><i>Use
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existing investments to avail of deductions:</i></strong> Existing investments, such
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as contribution to the Employees' Provident Fund, repayment of housing loan and
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premiums for life insurance and health insurance can be used for deductions
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under various sections.Here is how you can save a tax emergency: <a href="http://www.bajajallianzlife.co.in/microsite/index.asp" target="_blank" rel="nofollow">http://www.bajajallianzlife.co.in/microsite/index.asp</a><strong></strong>
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<strong></strong>
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4)
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<strong><i>Infra bonds:</i></strong> With the announcement
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of new tax slabs this year, infrastructure bonds are good propositions to invest
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in. Apart from this, there are investment options like ULIPs and saving schemes
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provided by investment and insurance players in the market.
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<strong><i>5)
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</i></strong><strong><i>Insurance:</i></strong> Any average Indian would know insurance is
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necessary and saves tax. If insurance is used as a tool to invest, it can give
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you guaranteed and better returns on your investment. Insurance, for this financial year, will
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prove as a brilliant investment option for women and working professionals as
<br />
they have custom made offerings from general insurance players in the market. <a href="http://buyigain.com/igain/igain/insurance_basics.jsp" target="_blank" rel="nofollow">http://buyigain.com/igain/igain/insurance_basics.jsp</a><strong></strong>
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<strong></strong>
<br />
<br />
<br />
<strong><i>6)
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</i></strong><strong><i>Get a Mediclaim:</i></strong> This is an area
<br />
which remains unutilised while tax planning and investment. Section 80D allows
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you to invest in a health insurance plan to avail a deduction up to Rs. 15,000.
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Your tax exemption can be capped upto 20,000 for parents who are senior
<br />
citizens. <strong></strong>https://enidhi.forumotion.com/t162-tips-to-save-tax-easy-and-smart-planningReliance Mutual Fund2011-09-22T07:19:57Zpankaj joshiReliance Mutual Fund has launched a new fund named as Reliance Fixed Horizon Fund - XV - Series 4, a close ended income scheme. The New Fund Offer (NFO) price for the scheme is Rs 10 per unit. The new issue is open for subscription from 26 April and closes on 27 April 2010.
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The primary investment objective of the scheme is to seek to generate regular returns and growth of capital by investing in a diversified portfolio of Central, State Government securities and other fixed income/ debt securities normally maturing in line with the time profile of the scheme with the objective of limiting interest rate volatility.
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The duration of the scheme is 371 days from the date of allotment.The scheme offers two options viz. growth and dividend payout option.
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The scheme will allocate up-to 70% of assets in money market instruments and it would allocate 30% to 100% of assets in Government Securities issued by Central & or State Government & other fixed income/ debt
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securities including but not limited to Corporate bonds and securitized debt with low to medium risk profile. Debt Securities will also include securitised debt, which may go up to 75% of the portfolio. Average maturity of the securities will be in line with the maturity profile of the scheme.
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The minimum application amount is Rs 5000 and in multiples of Re 1
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thereafter.The fund seeks to collect a minimum subscription (minimum target) amount of Rs 20 crore under the scheme during the NFO period.
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Entry and exit load charge will be nil for the scheme.Benchmark Index for the scheme is CRISIL Short Term Bond Fund Index.The fund manager of the scheme will be Amit Tripathi.https://enidhi.forumotion.com/t186-reliance-mutual-fundright time for home loans is now!!!!2011-09-22T06:53:27Zsidharthagovt is increasing tax rebate on home loans from existing 1.5l to 2.5l...i guess....plus RBI is expected to cut the rates in march.....so i guess this is the right time to take a home loan.......as per financial experts...1/3rd of your income must go into investment ...i dont see any investment better than this i guess.....https://enidhi.forumotion.com/t55-right-time-for-home-loans-is-nowHome Repair Loan?2011-08-11T11:20:31ZriyaHello Friends,
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I want to take Home loan, so can you suggest me "which Home Loan is good for me?"https://enidhi.forumotion.com/t329-home-repair-loanHow toget advice on stock and Mutual funds buying or selling2011-08-11T06:16:43Zmeetstephen_16Hi,
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<br />
I have Shares of some company and would like to knw is it good to hold them or sell themhttps://enidhi.forumotion.com/t157-how-toget-advice-on-stock-and-mutual-funds-buying-or-sellingInvest your money in safe hands mutual funds are the best options....2011-08-11T06:05:31ZseenathkumarGiving your hard earned money into someone else’s hands requires utmost faith and a sense of trust. While investing your money into any of the mutual fund India companies, one has to be aware of how it is decided as to which is the best. This depends on a lot many factors. The main amongst these is the NAV. It stands for Net Asset Value. It gives the value of a unit that will be given to the investor in case of liquidation of the scheme. It is calculated per share at the end of the trading day. If the value of NAV is high then it means the shareholder is at profit and can expect good returns.https://enidhi.forumotion.com/t201-invest-your-money-in-safe-hands-mutual-funds-are-the-best-optionsWhat are sector funds?2011-07-05T10:52:26Zjiten702Sector funds are one category of equity funds, which invest, only in a particular sector. The performance of the scheme is essentially depending on performance of that sector only. These type of funds are suitable only to high risk taking investors.
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e.g. there are power sector funds, banking funds, media & entertainment fund etc. https://enidhi.forumotion.com/t490-what-are-sector-fundsFinancial Planner...2011-04-20T09:04:07Zjiten702Financial Planners are the ones who provide comprehensive advice on all aspects ranging from smaller day to day requirements of money management to bigger financial goals such as owning a house, children's education, retirement etc. For some the financial planner has to help them crystallize their dreams, goals and objectives.
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Very few people have the time and expertise of making a complete financial plan for themselves. Moreover, considering the number of complex issues, which are involved in the financial planning, it is a financial planner who can guide in achieving the financial goals.https://enidhi.forumotion.com/t507-financial-plannerInsurance Broker?2011-03-21T10:21:11Zjiten702An insurance broker is a person or an organisation who functions as an intermediary between two or more parties in negotiating agreements like an insurance contract.
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<br />
An insurance broker is a highly regulated entity which deals with all insurance companies on behalf of its customers.
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An insurance broker is different from an agent which deals with only one insurance company. The entity being a consolidator of business to the insurance company is able to negotiate better deals and service. https://enidhi.forumotion.com/t505-insurance-brokerInvestment styles of Indian fund managers.....2011-03-18T06:53:23Zjiten702There are two broad investment styles followed by fund managers of India:
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<ul><li><strong>Growth Investing </strong>and
<br />
<strong>Value Investing</strong></li></ul>
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In growth investing fund manager buys stocks which promise higher growth rate in future. If a stock is bought as a part of growth investing, its earnings should grow faster than overall market or sector earnings. Market normally pays premium price to these type of stocks.
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<br />
Value investing tries to find out stocks which are trading at price which is lower than their intrinsic value. Stocks may trade at a lower price for multiple reasons like that sector is out of favor in the market or there is some negative news for the sector in the market etc. These are stocks which are available at low price but have potential to give attractive return in future. https://enidhi.forumotion.com/t504-investment-styles-of-indian-fund-managersPermanent/Whole Life Insurance.......2011-02-19T09:45:14Zjiten702<strong>Permanent life insurance</strong> is the insurance policy that provides coverage throughout the insured's lifetime and may include an element that builds cash value. This type of policy provides lifelong protection. It also provides a savings element that accumulates a cash value over a long period of time. In other words, this type of policy, combine life coverage with an investment fund. Here, you're buying a policy that pays a stated, fixed amount on your death, and part of your premium goes toward building cash value from investments made by the insurance company. https://enidhi.forumotion.com/t503-permanent-whole-life-insuranceSAIL FPO postponed to next fiscal2011-02-18T11:04:39ZnirmalbangToday Steel Minister Beni Prasad Verma has declared that the SAIL FPO has been put off to next fiscal year, which begins in April. The government is going to sale 5% stake via this FPO. The company will issue an equal number of new shares to fund further expansions.
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<br />
Currently, SAIL is trading at Rs 161.85 down 2.47% from its previous close. The stock hit a high of Rs 168.25 and a low of Rs 161.20 so far during the day. The volume of the Stock stood at 1481897 shares on NSE at 14.51 hrs IST.
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SAIL is India's largest steel producing company. It is among the top five highest profits earning corporate of the country.https://enidhi.forumotion.com/t502-sail-fpo-postponed-to-next-fiscalTerm Life Insurance 2011-02-18T06:24:14Zjiten702<strong>Term life insurance</strong> is the insurance policy under which the death benefit is payable only if the insured dies during a specified period & this policy does not have any investment component. It is the most affordable type of life insurance available. It is designed to meet temporary life insurance needs; providing protection for a specified period of time, the term.
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This type of life insurance makes sense if you have financial needs that will diminish over time, such as a home mortgage or a child's tuition. Each year, a premium is paid to cover the risk of death during that year. Term life insurance has no cash value. The only way to collect anything is to die before the term life insurance expires. If death occurs, the life insurance beneficiary generally collects the death benefit of the life insurance policy, free of income tax. https://enidhi.forumotion.com/t501-term-life-insuranceInvest in Infrastructure bonds India to save more TAX.......2011-02-07T12:05:52Zjiten702Infrastructure bonds, no doubt is creating a sensation all over with the range of facility that it provides to its investors. Saving tax was never been so simple and precise, now with the aid of infrastructure bonds one can save even more tax as per section 80CCF.
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<br />
<strong><u>Key features of Infrastructure bonds</u></strong>:-
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<ul>
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<li><strong>Tenure</strong>: The minimum tenure of these bonds will be 10 years. The lock-in period for these bonds will be 5 years. So if the investor does not want to hold these bonds for the entire tenure, then he can sell these bonds in the secondary market after 5 years.
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</li><li><strong>Income Tax Benefits</strong>: Under Section 80CCF of the Income Tax Act, the maximum deduction from taxable income that can be availed by investing in these bonds is Rs 20,000.
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<br />
</li><li><strong>Interest</strong>: The interest rate paid on these bonds will depend on the interest rates prevailing in the market at the time of issuing these bonds.
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<br />
</li><li><strong>Others</strong>: Investors will have to furnish their PAN card number to the issuing company for buying these bonds.
<br />
</li></ul>https://enidhi.forumotion.com/t500-invest-in-infrastructure-bonds-india-to-save-more-taxSave TAX by investing in ELSS in India.....2011-01-31T11:14:56Zjiten702Reasons for investing in ELSS(Equity Linked Saving Schemes) are:-
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<br />
<ul>
<br />
<li>Lowest lock-in period of 3 years only.
<br />
</li><li>Better returns in long term,as compared to all other products available under section 80C.
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</li><li>Returns & Dividends are TAX FREE under section 80C.</li></ul>https://enidhi.forumotion.com/t499-save-tax-by-investing-in-elss-in-indiaNifty to find support at 5940 levels2011-01-21T09:59:46ZnirmalbangNifty Futures for the active series is currently trading at 5700 (down 18 pts) touching an intra-day low of 5665. OI for Nifty active series futures currently stand at 2.35 crore adding over 13% fresh shares today. The PCR OI of Nifty active series options have come down and currently stand at 0.65.https://enidhi.forumotion.com/t498-nifty-to-find-support-at-5940-levelsMake yourself Billionaire........2011-01-18T06:19:00Zjiten702For Investment purpose, we often wait to collect a large amount of money and invest it all at once. These investments are done to achieve our future goals like buying a house, child's education, marriage or retirement planning. However recurring household expenses always erode the money which we would have otherwise kept for investments and the result - we end up compromising on our financial goals. So,in order to get the dual benefits of investment and that too of small amount periodically, we have Systematic Investment Plan(SIP).
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A systematic investment plan or SIP (as it is more commonly known) is a way to invest in mutual funds with small sums of money on regularly basis typically monthly or quarterly , over a longer period of time. These small and regular investments will help in growth of your wealth in the long run and you will surely reap the benefits of the fruits that you have planted by doing systematic investments of your hard-earned money in mutual funds.https://enidhi.forumotion.com/t495-make-yourself-billionaireTypes of Financial Advisors.....2011-01-13T08:12:45Zjiten702There are mainly two types of financial advisors:
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1. Fee-based advisors
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2. Fee-only advisors
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<strong>Fee-based advisors</strong> often charge asset based fees but may also collect commissions.
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<strong>Fee-only advisors</strong> do not collect commissions or referral fees paid by other product or service providers.https://enidhi.forumotion.com/t494-types-of-financial-advisorsWho is a Financial Advisor??2011-01-08T08:28:21Zjiten702A Financial advisor is a trained professional who provide financial services to individuals, businesses and governments.They help to manage finances by providing advices on investments,insurance, mortgages, estate planning, taxes and retirement, depending on what the client requests.https://enidhi.forumotion.com/t493-who-is-a-financial-advisorWhich is the best investment product?2010-12-31T08:16:29Zjiten702If you decided to do investments, then according to you which is the most profitable investment option:-https://enidhi.forumotion.com/t492-which-is-the-best-investment-productAvoid Foreclosure – Ways To Avoid Foreclosures2010-12-25T13:02:16ZFilsonThe best way to avoid foreclosure is to prevent the filing of a Notice of Default. Lenders do not want to foreclose but will file a Notice of Default to protect their interests, if necessary.
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Depending on your particular situation and hardship circumstances, here are some options your lender might propose to you:
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<strong>1. Time to make up your payments.</strong>
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Lenders might agree to wait before taking legal action against you and let you work out a repayment plan that is affordable for you. This is called forbearance.
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<strong> 2. Forgiving a payment. </strong>
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If you can agree on a way that you will be current after missing a payment or two (without the means to pay it back), the lender might give you a break and waive your obligation. This is called debt forgiveness, and it rarely happens.
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<strong>3. Spread out the missed payments over a longer term. </strong>
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For example, if your payment is, say, $1,200 a month, the lender might let you add $100 a month to each payment for a year until you are caught up. This is called a repayment plan.
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<strong>4. Changing the terms of your loan. </strong>
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If your mortgage is an adjustable loan, the lender might freeze the interest rate before it increases or change the interest rate to a more manageable rate for you. A lender might also extend the amortization period. This is called a note modification.
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<strong>5. Add the back payments to your loan balance. </strong>
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If you have sufficient equity and meet the lender’s lending guidelines, the lender might increase your loan balance to include the back payments and re-amortize the loan. This is called a refinance.
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<strong>6. Make a separate loan to you. </strong>
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Certain government loans contain provisions that let borrowers who meet specific criteria apply for another loan, which will pay back the missed payments. This is called a partial claim.
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Foreclosure | Foreclosure Vs Short Salehttps://enidhi.forumotion.com/t491-avoid-foreclosure-ways-to-avoid-foreclosuresFinancial Advisory business......2010-12-22T08:17:15Zjiten702Financial advisory business is ideal for someone who is passionate about building long term client centric advisory business and wants to take his business to next level.
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Even if you have just completed your studies and planning to start your own advisory business, there are advisors network in India who provides you an ideal platform to start your business and build your entrepreneur dream.
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From product seller to investment advisor, the journey is tough and challenging. So Choose your advisor network platform carefully for easy transition towards investment advisory. https://enidhi.forumotion.com/t489-financial-advisory-businessSensex ends above 20k mark on strong global cues2010-12-22T06:54:17ZnirmalbangIndian Benchmark indices escalated today on firm global cues led by support from heavyweights ICICI Bank, Reliance Industries, HDFC Bank, Hindalco, Sterlite Industries and SBI. The BSE benchmark ended at 20060.32, up by 171.44 points or 0.86%and the NSE Nifty closed lower by 53.60 points or 0.90% to end at 6000.65.
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In the 30-share index Sterlite Industries (4.63%), Hindalco (4.45%), ICICI Bank (3.56%), DLF (1.97%) and HDFC Bank (1.89%) are the top five gainers. On the other hand Hero Honda (0.77%), Bharti Airtel (0.67%), Infosys (0.65%), NTPC (0.60%) and TCS (0.59%) were the major losers in the 30-share index. Market breadth was positive with 1820 advances against 1118 declines on BSE India.
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Among the BSE sectoral indices Metal index was amont the top gainers today to end 2.76% up. On the other hand HC index was the top loser in the BSE sectoral indices to end 0.32% down.
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On the broader Indices the BSE midcap ended higher by 59.75 points at 7618.12 and small cap closed up by 87.76 points at 9308.91.https://enidhi.forumotion.com/t488-sensex-ends-above-20k-mark-on-strong-global-cuesValue investing defined.....2010-12-22T06:33:12Zjiten702A popular investment style that focuses on identifying under-priced securities. In contrast to growth investors, value investors try to buy stocks selling for low multiples of earnings, book value, or any other yardstick.
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https://enidhi.forumotion.com/t487-value-investing-definedLife Insurance policy......2010-12-21T11:46:27Zjiten702Life insurance policy is like a protection against life's uncertainities. If you have a life insurance policy in place, it could:-
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<ul>
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<li>Provide a financial security to your family.
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</li><li>Help in paying your debts like home mortgage, loans, credit card borrowings etc.
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</li><li>Provide finances to your loved ones to achieve life's goals in your absence.
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</li><li>Ensure that your family is able to maintain their lifestyle, no matter what happens.
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</li><li>Take care of your estate planning needs.
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</li><li>Look at other </li></ul>retirement saving/investment vehicles.
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