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Sunday, May 28, 2023
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Friday, March 3, 2023
Your Money: Check out use based engine protection approaches
Check out using based engine protection approaches
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Check out using based engine protection approaches |
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Bharti AXA Pay-as-you-drive
LIC Pension Scheme: you can get pension with better returns.
LIC Pension Scheme: In this scheme of LIC, you can get a pension with investment even at the age of 80, you get better returns.
LIC Jeevan Shanti yojana:
LIC Jeevan Shanti Yojana
What are the two scheme options?
These are the options of the Tatkal Pension Scheme
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Managerial Economics, 8ed, (An Indian Adaptation): Analysis, Problems, Cases Paperback – 1 |
Deferred pension options
Who can buy the plan
What is the investment amount?
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What is LIC Annual Pension Plan?
How can I get 50000 pension per month?
LIC Pension Tax Free?
Wednesday, March 1, 2023
Have you examined the credit rating?
Fixed deposit, have you examined the credit rating?
The interest rate of fixed deposits has increased in the investment market. There are very few self-interested investors in our country. We are sure that a large section of savings banks will believe in term deposits. Oh man, oh man, and many others undoubtedly want to invest in deposits. Naturally, the average (or conservative) investor seeks higher interest rates. Due to the rush of banks, NBFCs, and corporate deposit schemes, investor enthusiasm is visible everywhere. Banking regulator Reserve Bank of India's change in repo rate will lead to a huge increase in interest rates. This change has been made in view of rising inflation.
It's a one-sided thing. Now read my words carefully. think about it. Today I highlight two things for you. One, the inflation you mentioned is one of the enemies of fixed depositors. Second, the interest earned on the deposit is taxed on you.
Let me clarify let's take the second issue first. Your overall income will be increased by the interest gained. Thus, remember to include interest income when calculating your earnings at the end of the year. The question now is how much is left in your hand after paying taxes? If you are happy to pay taxes, there is nothing to say. But remember this at all I remember this every time.
Now we come to the first topic. It goes without saying that inflation is a very destructive investment. So it is your responsibility to understand what "inflation-adjusted return" actually is. Generally, as a depositor, one should look for a realistic result after accounting for taxes and inflation. I would say that when the general public of our country invests in deposits, they should be aware of the soundness of the project (and the predictability of the promised returns). Read the ratings carefully, otherwise, you might be tempted by good prices. This situation is not desirable. If you get a reliable promoter (especially for corporate projects), you can move on.
So to get an idea about the deposit scheme at a glance, here are a few things you should look out for:
#Credit rating Dihal Gayle or
# Credibility of the promoter of the institution
# What is the interest rate?
# Impact of inflation and income tax
Before I conclude with words, let me highlight another important point. Check how much-fixed deposits make up your total benefits. If you feel that you are overinvested in deposits in the current scenario, and can spend more time in other types of assets depending on your risk profile, consider rebalancing. Maybe it will be fine in the end
Thursday, February 23, 2023
LIC Jeevan Labh Policy: become a millionaire
LIC Jeevan Labh Policy: By investing Rs 17 per day you will become a millionaire
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LIC Jeevan Labh Policy: become a millionaire |
LIC Jeevan Labh Policy comes under Non-Linked Plan
Simple Reversionary Bonus and Final Edition Bonus are available in the plan
There are many ways at present to secure yourself financially for the future. As a current venture and investment people are going towards SIP investment and mutual funds. Both of them depend on the mood of the market. On the off chance that the market is progressing nicely, then there will be profit or loss. If you want to invest and you want that you do not suffer loss and get both profit and protection, then you should go towards such a policy of LIC which is not linked to the stock market i.e. LIC's Non-Linked Plan (LIC Non-Linked Plan). Today we will enlighten you regarding a particularly non-connected arrangement, which can make you a millionaire soon with an investment of Rs 17 per day. The name of this policy is LIC Jeevan Labh Policy.
ALSO READ: SEVEN BEST INVESTMENT OPTIONS
Here are some of the special features of
The policy - Only people between the age group of 8 to 59 years can take this policy.
The development age of this strategy is 75 years. The strategy term can be taken from 16 to 25 years. At least two lakh rupees have to be taken sum assured. There is no boundary of the highest point.
Compensation for accidental death and disability has been included in this policy.
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15 Practuce Sets Bhartiya Jeevan Bima Nigam (LIC) Prashikshu Vikas Adhikari (ADO) Bharti Pariksha 2015 |
On the off chance that you spend a premium of Rs 1,55,328 for 25 years i.e. Rs 518 i.e. Rs 17 per month, then on
The maturity you will get is about Rs 4.04 lakh with a bonus.
RELATED POST: How to revive an insurance policy if it lapses
Know about the benefits of the policy
- There is also limited premium payment which means the premium paying term is less than the policy term or maturity period.
- At the same time security and assured returns facilities are also available.
Loan facility available after paying a premium for three years.
Add-on riders facility in the form of Accidental Death and Disability Benefit Rider.
Expense exception under segment 80C of Income Tax on premium.
Expense exception on development sum under segment 10(10D) of Income Tax.
ALSO VIEW: LIC Pension Scheme: you can get a pension with better returns.
This is how the payout is
If the policyholder dies and he has paid all the premiums without any interruption till the death, then the nominee is paid in full by adding the Sum Assured, Reversionary Bonus, and Final Addition Bonus. The special thing is that the death benefit received here should not be less than 105 percent of the total premium paid till the death of the policyholder. Where the policyholder survives the entire term and has paid all the premiums till maturity, he/she is paid the Sum Assured along with the Reversionary Bonus, and Final Addition Bonus.
LIC Jeevan Labh Policy comes under Non-Linked Plan Simple Reversionary Bonus and Final Edition Bonus are available in the plan There are many ways at present to secure yourself financially for the future. Both of them depend on the mood of the market. On the off chance that the market is progressing nicely, then there will be profit or loss. If you want to invest and you want that you do not suffer loss and get both profit and protection, then you should go towards such a policy of LIC which is not linked to the stock market i.e. The name of this policy is LIC Jeevan Labh Policy. Here are some of the special features of The policy - Only people between the age group of 8 to 59 years can take this policy. The development age of this strategy is 75 years. On the off chance that you spend a premium of Rs 1,55,328 for 25 years i.e. Know about the benefits of the policy - There is also limited premium payment which means the premium paying term is less than the policy term or maturity period.- At the same time security and assured returns facilities are also available. Add-on riders facility in the form of Accidental Death and Disability Benefit Rider.
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IMPORTENT VIDEO
LIC Jeevan Labh 936 : With Example on 2 Lacs Sum Assured
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The name of this policy is LIC Jeevan Labh Policy.LIC LIC Jeevan Labh Policy comes under Non-Linked Plan Simple Reversionary Bonus and Final Edition Bonus are available in the plan There are many ways at present to secure yourself financially for the future. On the off chance that the market is progressing nicely, then there will be profit or loss. On the off chance that you spend a premium of Rs 1,55,328 for 25 years i.e. Here are some of the special features of The policy - Only people between the age group of 8 to 59 years can take this policy. Add-on riders facility in the form of Accidental Death and Disability Benefit Rider. Both of them depend on the mood of the market.
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Sunday, January 22, 2023
How To Deal With(A) Very Bad STOCK MARKET BASICS
How I Improved My STOCK MARKET BASICS
Financial markets provide its participants with the most favorable conditions for buying/selling financials. They have tools inside. Its main functions are: Guaranteed liquidity, built into asset prices. Establishment and reduction of supply and demand. Operating expenses by its market participants. There are different types of instruments in the financial market, so it is. The effectiveness depends entirely on the organized equipment. Usually it is. Can be classified according to financial type. Tools and equipment were paid for as per the terms. wear a variety of equipment
The market can be divided into promissory notes and A security (stock market). The first one is included. Promissory note with the rights of the holders. fixed amount in future and obliging the latter is called the promissory note market. Paying a fixed amount as per the issuer. Returns received after payment of all promissory notes. And this is called stock market. There are also types. Both categories refer to securities, such as preference shares and convertible bonds. They are also called fixed return instruments.
Another classification is due to loan repayment terms. The machines are: the highly liquid asset market (money market) and the capital market. The first refers to the short-term commitment of the market focus with the asset. up to 12 months of age. The second refers to the market. Long term promissory note with instruments 1 2 months before due. This classification can be referred to for bonds. As a sole market its instruments have a fixed expiry date, however there is no stock market.
As mentioned earlier, purchasers of common shares. Usually the company-issuer and invests its own funds. Receiving. Their weight in the process of formation. The decision depends on the number of shares in the company. He has financial experience. Company, its market share and potential future share. Can be divided into several groups.
1. Blue Chips
Stocks of large companies with long records of profits. Growth, annual revenue over $4 billion, large capital. And dividend payments are called sustainability blue chips.
2. Growth Stock
The shares of such a company grow rapidly; Its manager usually. Follows the principle of revenue reinvestment. Development and modernization of the company. these/. Companies rarely pay dividends if they do. Dividends are minimal as compared to other companies.
3. Income Stock
Income shares are high and. including company stock. Stable income that pays high dividends to shareholders. Shares of such companies are usually used in mutual funds. Schemes for middle aged and elderly people.
4. Protective Stock
It is a stock whose price remains stable. Markets can and do perform well during recessions. to reduce risk. When the market moves, they do the right thing. There is demand during sour and economic booms. These categories are widely spread across mutual funds. Useful to better understand the investment process
Keeping this division in mind.
Shares can be issued both domestically and abroad. If a company wants to issue its shares abroad, it can use it. American Depository Receipts (ADRs). ADRs are usually issued. The rights of American banks and shareholders are indicated. Holding shares in a foreign company under assets. Management of a bank. Each addition represents one or more stock holdings. When dealing with stocks other than the buy/sell ratio. On the plus side, you can also get quarterly dividends. They depend on: type of shares, financial condition of the company, division etc. Common shares do not guarantee the payment of dividends. A company's dividend depends on its profits and surplus cash. Dividends differ from each other as they should. With the possibility of payment in different periods. more below. When the time comes, companies don't pay dividends at all, mostly when a company has financial problems or executives make a decision. Reinvest income in business growth. Dividend is an important factor when calculating the authorized share price.
The price of a common share is determined by three main factors:
Annual dividend rate, dividend growth rate and discount. The latter rate is also called the required rate of return. A company with a high risk level is expected to be high. required rate of return. High cash flow high stock. This interdependence defines property versus value. Below we will talk about the breakdown of share prices. Estimate the dividend in three possible cases.
When buying shares other than risk and dividend. It is absolutely necessary to analyze, investigate the company. Calculate its profit/loss, balance, cash flow, distribution of profit among shareholders, salary of managers and officers etc. carefully when you are sure. You can easily buy or sell shares in all aspects of trading. if you don't know
Tuesday, January 3, 2023
HOW TO MAKE MORE MEANING REPRESENTED ABSTRACTLY: AN INTRODUCTION TO METAMONY
HOW TO MAKE MORE MEANING REPRESENTED ABSTRACTLY: AN INTRODUCTION TO METAMONY
Joe has an old leather wallet in his pocket. It has enough notes to buy a new wallet of a better model than the one I saw in a magazine. This purchasing power is specific to him, who alone can use those bills to buy something. Similarly, if he transfers them to someone else, only this other person will own their purchasing power instead.
However, although the person transferring his banknote can always transfer what is under their control, it may not be transferred with their entire property, which is not just his. The bill, as much as it is without their purchasing power, is not theirs alone. For example, they have no right to create or destroy: they are public. Either he or he who controls such notes has purchasing power, hence private ownership.
Indeed, having always only personally owned his banknotes, he could sell them independently of his purchasing power, which he could not represent. However, selling them this way will at least temporarily prevent them from using the same bill to buy anything. Then, recognizing their lost purchasing power as a monetary value for which they must represent it, one can conclude:
All financial values must be personal.
All representations of this must be public or non-public.
Yet, if not, who else can sell, buy, create or destroy its equivalent bank notes? This question should be insignificant if he has the bills instead of their monetary value. However, since the purchasing power of each bill may change when people sell, buy, create or destroy such bills, the same question becomes important. In fact, part of the answer is that commercial banks now sell most of what they create in the money supply, a process called fractional-reserve banking.
Commercial Commission
According to the Federal Reserve Bank of Chicago, [1] fractional-reserve banking originated from:
Then, bankers found that they could make loans to borrowers promising to pay them, or with bank notes. This is how banks start making money.
Bankers were also required, but - and still required - to have sufficient money to meet expected withdrawals, at any given time: "sufficient metallic money to be kept on hand, regardless of the amount of the ticket" paid to redeem it.
Hence the name "fractional-reserve banking": commercial banks must hold as a reserve a fraction of the deposited money - which legally (since 1971) is no longer "metallic money" but simply a public loan - to meet withdrawal requirements. "Under current regulations, the requirement for most business accounts is 10%."
In the fractional-reserve banking system on which much of today's international economy depends, commercial banks make money by lending it, so in the form of a personal loan.
Transaction deposits are the modern equivalent of bank notes. It was a short step from printing notes to creating book entries that accumulated borrowers' deposits, which borrowers could "spend" by writing checks, thereby "printing" their own money.
For example, when a commercial bank accepts a new deposit of $10,000.00, 10% of this new deposit becomes the bank's reserve to lend up to $9,000.00 (90% with savings) to the account, without taking back the money borrowed from the source, at interest. Similarly, if that maximum $9,000.00 loan occurs and the borrower deposits it into another account, either at the same bank or not, 10% of that is reserved for loans up to $8,100.00 at the next bank (now 90% in excess stock). As usual, even if the money is not withdrawn from the source account, the bank charges interest on the loan. This process can continue indefinitely, adding $90,000.00 to the money supply, valued only as loans received from their borrowers: after countless repeated loans of 90% fractions from the $10,000.00 original deposit, that same deposit will eventually return to itself. 10% becomes the reserve totaling $100,000.00. [2]
Thus in each phase of expansion, "money" can increase by a total of 10 times the amount of new reserves supplied to the banking system, as new deposits created by credit in each phase exceed and add to those created in all previous phases. For deposits provided. Creates an initial reserve.
Yet how can credit alone create new money? How can a loan reverse its outstanding balance? Something else has to happen here besides just debt. What else is going on in the entire commercial banking system? First, there is a deposit. Then, up to a fraction (90%) of this deposit is loaned on interest, which the bank never recovers from the source account. Finally, the borrower can transfer the loan to another account in the same or another bank. Suddenly, trillion-dollar