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June 17, 2010

Top Investment Myths

Filed under: News and Views — Tags: asset classes, contrary to popular belief, doing the rounds, extent, interest rate rise, interest rate risk, investment decisions, investments, investor, liabilities, money, mutual funds, myth, myths, nav, private companies, risk appetite, total value, understanding bonds, value increases — admin @ 4:35 am

Busting some investment myths

Experience teaches us a lot of things. And the world of investment is no exception. That said it is equally important to realize that having lost money in investment once should not be a reason to not see the opportunities that lies ahead. This holds true particularly for those people who had lost money in investments before. Let us see some of the popular investment myths which should be avoided at any cost!

1. Never do it alone

Today the markets are not as simple as they appear. They are complex in nature. Right from finding out your investment purpose, your risk appetite, the asset classes which would suit it, and predicting the market conditions at least to some extent requires a certain degree of expertise. Hence as an investor you need an expert’s advice to make the right investment decisions. While it does help to have knowledge about investments it can never substitute an expert’s advice.

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January 19, 2010

What is ASBA?

Filed under: Economy — Tags: 1 lakh, allotment, asba, initial public, investor, ipo, Ipo analysis, listed company, money, new application, new trend, payment mechanism, payment option, preference, publicity, retail investors, sebi, share holders — admin @ 3:17 am

SEBI introduced a new payment option ASBA (Application Supported by Blocked Amount) as an additional payment mechanism for the benefits of certain investors applied in IPO (Initial Public Offers). This option would be available to retail investors only. It is also an exclusively available payment option for the investors applying in right issue of shares, which means the additional shares offered to existing share holders of a listed company based on preference. According to the investors who experienced this new trend application, it is definitely a 100% success from SEBI’s new application. With this payment option the application money remains in the investors account until the shares are released. So no money is goes out from the investors account.

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October 9, 2009

Huge Discounts With Real Estate Prices ? How Much True are They?

Filed under: Economy — Tags: clash, common man, confidence, dlf, headlines, instances, lakh, middle class family, money, parking space, real estate prices, real estate sector, registrations, rescission, space fee, sq ft area, stock market, strong signal, truth — admin @ 4:19 pm

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You might have well heard all over with the rescission troubles and matters, once they ruled the economic pages headlines. In connection with that there were many other news and one of the major one was that the clash in the property prices. The saying was that there was a reduction of at least about 25-30% of the peak price they had before the rescission. But what is the actual truth in this? Have the prices really come lower. If then the sale would have been boosted. You can write your opinion about it. Lets see.

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September 25, 2009

Lost Credit Card – What Next?

Filed under: News and Views — Tags: acknowledgment, consumers, credit card company, credit card limit, credit cards, daily diary, diary report, discovery, fir, information report, money, poli, robbery, shopping, story doesn, wad, wallets — admin @ 3:31 pm

cardlock092608 300x194 Lost Credit Card What Next?

Most people prefer to carry a number of credit cards rather than carrying a wad of money in their wallets. It also makes sense, moreover they can also do as much shopping or at least till the credit card limit allows them to do. However if you have lost a card, then it can become quite a troublesome situation. Especially till the time that you report the card and it gets blocked. Between the time that has elapsed of your discovery of the lost card and the card lost reporting, somebody else may just have used your card.

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September 23, 2009

Investing In An IPO

Filed under: IPO Analysis — Tags: business models, clarity, credit rating agencies, fingers, good time, investors, ipo, management team, market rumors, maximum gains, money, negative sentiments, profits, revival, risk, sentiment, upturn — admin @ 10:59 am

As you all are aware that IPO was withdrawn by the companies followed by the negative sentiments that were seen in the markets. Many companies have dropped their plans to proceed with the IPO’s. But the positive sentiment that is seen with the good numbers coming out from companies and the revival of the markets to some extend has brought some of the IPO back into action. If you are unsure what is an ipo

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August 24, 2009

How to Manage Your Wealth

Filed under: Economy — Tags: 10 years, any guesses, bit by bit, current market, debt instruments, inflation, investment option, investors, maturity, money, mutual funds, period of time, proportion, risk appetite, short term investment, short time, sphere, time frame, younger generation — admin @ 7:05 pm

How To Manage Your Wealth

investmentManagement 300x200 How to Manage Your Wealth

There are many products in the market that a normal person can invest in and as with any other things there are advantages and disadvantages with each and every product. Each product do need a different method of strategy. Lets see where we can get some money.

Lets first take the hottest product for us any guesses ? Yes our favorite Equities, One of the instruments that can make you rich in a very short time frame, some times a bit much longer. The growth of the equity does show the growth of the country but making a choice would be difficult because it is a very sharp tool that would work in the negative sphere too very easily which may turn your investment to half. The current market is attractive for some period of time, I does not mean that this number in where the Nifty is but the period as a whole may be for another 8-10 years. But as time passes there should be more options to re route our funds for good returns.

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August 19, 2009

Income Excluded From Tax

Filed under: Economy — Tags: agricultural income, agriculture, clarification, government employers, gratuity, high time, income comes from, india, lakh, money, partnership deed, retirement scheme, salary, state government, taxable income, time period, travel records, voluntary retirement, workman — admin @ 5:16 pm

hd save tax Income Excluded From Tax

There are some types of Income that the tax department has given as not to pay taxes, if the income comes from these sources, we can have a small walk through these, as normally people loves saving tax and its high time that we know about the income excluded from tax.

Agriculture activity income is not treated as an income this can be more explained with the help of an example if your father gives you money from his agricultural income as a gift then you do not have to treat it as taxable income, but father should be a person who files his return.

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July 23, 2009

Things That You Should Take Care Off While Filing Your Income Tax Return

Filed under: Economy — Tags: bank account numbers, bank interest, capital gains, confusions, exemption limit, income tax rates, incomes, micr code, money, pan number, profession, salary income, slabs, tax expert, tax liability, tax payers, tax refund — admin @ 12:39 pm

income tax tom 300x256 Things That You Should Take Care Off While Filing Your Income Tax Return

July 31 is fast approaching and its the time for tax payers to file IT- returns, Its compulsory for any person to file whose gross total income exceeds the basic exemption limit. This year the exception limit has been increased see ” New Income Tax Rates and Slabs”. You should file your return even if you do not have to pay any tax and even if your employer has paid yours in advance. We can discuss some of the things that you should keep in mind before filing the returns to avoid confusions.

The first thing would be to identify the sources of income you are having, its classified under different heads under like income from salary, income from house or property, income from business or profession, income from capital gains, and income from other sources. Just make sure that you have not missed out any income leads.

Some basic documents like Form No 16 (issued by employer) – This form details the income from salary and tax deducted by the employer. All bank accounts summary for the year which would make sure that the total money earned and spend without missing out any expenses or incomes that you have come through your way. Tax paid details during the year which for some needs to be paid as advance.

Income of a minor child is to be included even if its a small amount (bank interest). Now you have scanned your sources and now you can compute your tax liability for the year, if you know how to work that out you can do the calculation or get the help of a CA, or tax expert. Its an important step as calculating a wrong computation can increase your future troubles. Once you have the details corrected at par its time that you should pick the correct form which is based on the nature of your income earned.

Make sure that you provide all your details correctly in the form that is meant fro you. Your name, address, bank account numbers, bank’s MICR code, importantly your PAN number, Its too important for persons who have a tax refund and for others too. If you quote it wrongly the tax law has option to fine you.

Recheck that you have claimed all tax deductions that you are eligible like Section 80C, 80G. Its important that you should quote other income like dividend received and receipt of PF balance on the IT form or it can bring in future trouble. If you are getting your forms to claim a loss to carry forward the same can be done only if you have filed by the due date, if it does not happen by the due date you would not be able to carry forward for future set off.

After all done the next job would be to file it on the correct time. For salaried people and those earning income from interest the due date is July 31,2009. The return can be filed electronically or in print form. Make sure that you see “How to file your Taxes”

July 31 is fast approaching and its the time for tax payers to file IT- returns, Its compulsory for any person to file whose gross total income exceeds the basic exemption limit. This year the exception limit has been increased see ” New Income Tax Rates and Slabs“. You should file your return even if you do not have to pay any tax and even if your employer has paid yours in advance. We can discuss some of the things that you should keep in mind before filing the returns to avoid confusions.

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June 10, 2009

Recurring Deposit or Jeevan Saral ? Which is the best?

Filed under: News and Views — Tags: additions, assurance plan, banks, benefit, bonus, insurance, insurance policies, jeevan saral, launch, life insurance corporation, life insurance corporation of india, loyalty, maturity, money, msa, post offices, premiums, reccuring deposit, risk, saral, surrender — admin @ 3:55 pm

You all might have heard and has an idea of what is meant by recurring deposits schemes, acquiring small amounts of money and investing it for long term and to reap better returns at maturity. The usual players in the field were banks and post offices, now there is a new entry to this sector… any guess? Its the LIC or the Life Insurance Corporation of India. The LIC has started a special plan called “Jeevan Saral” which is famous now, Its launch was a couple of years back.

Jeevan Saral can be termed as a simple assurance plan where the policy holder choose the amount and also the mode of the premium payment. It also gives the policy holder protection from death which is of 250 times of the monthly premium, that he pays. With the age of the policy holder the terms also changes. The benefit at death includes the total risk cover plus the loyalty bonus if any. There is also promise by the LIC about the returns of premium which excludes the first year premiums and extra rider premiums.

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May 14, 2009

Equity or Gold which is the best?

Filed under: News and Views — Tags: bank deposits, banks, bullion market, dollar, gold range, india market, indian stocks, investment experts, investment option, liquidity, money, number 1, olden times, ounce, price of gold, rupee, term time, time span — admin @ 7:10 pm

how do you buy gold 781694 300x199 Equity or Gold which is the best? The yellow metal has got its sheen from the early 2001 period, investors began to see it as an investment option and the returns it produced was really awesome. Across the world the scene was great for Gold and the India market has seen the price of gold shoot up from Rs 1180/- per gram to Rs 1470/- in an years time, while the International price did not have that much of growth as India had. Gold got its sheen when the Rupee lost its sheen against the dollar. For Indians gold was always with them as a necessity and carried it for generations and its one of the most valuable item for any occasion. The reason behind the vast acceptance of gold was the liquidity it has got than any other asset and there was no better alternative at olden times.

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