tag:blogger.com,1999:blog-17619692215548309362024-03-27T10:56:37.156-07:00TheHourJobA blog about Accounting, Business, Commerce, Economics and other Financial education.thehourjobhttp://www.blogger.com/profile/14864308772919653185noreply@blogger.comBlogger58125tag:blogger.com,1999:blog-1761969221554830936.post-60240691092420003522023-01-16T23:11:00.001-08:002023-01-16T23:15:23.074-08:00What is Recession and its impact on economy?<p><span style="font-family: georgia;"> <span style="background-color: #f7f7f8; color: #374151; font-size: 16px; white-space: pre-wrap;">A recession is a period of economic decline characterized by a decrease in gross domestic product (GDP), employment, and trade. It is typically defined as two consecutive quarters of negative economic growth. The impact of a recession can be severe and far-reaching, affecting individuals, businesses, and entire economies.</span></span></p><p><span style="font-family: georgia;"><span style="background-color: #f7f7f8; color: #374151; font-size: 16px; white-space: pre-wrap;"><br /></span></span></p><p><span style="font-family: georgia;"></span></p><table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto;"><tbody><tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiwtjJ516vahVh1U0OAajOHUxZVoJjkwymos6_YPbce7nOQyvm9f_uTx1qlD5VZUg8bgs7sxEBLnJdI-1ygFkIhIcmkYDn30NaQopp15h7BJh0abR4jyfO945uBJQUpvbDMY6VeyCkttA-94us8o1jFQUjwOEc9omCX9gLBksSk7lWO2_8XjA9ZIkCZ/s1920/pexels-mart-production-7278796.jpg" style="margin-left: auto; margin-right: auto;"><img alt="What is Recession and its impact on economy?" border="0" data-original-height="1280" data-original-width="1920" height="427" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiwtjJ516vahVh1U0OAajOHUxZVoJjkwymos6_YPbce7nOQyvm9f_uTx1qlD5VZUg8bgs7sxEBLnJdI-1ygFkIhIcmkYDn30NaQopp15h7BJh0abR4jyfO945uBJQUpvbDMY6VeyCkttA-94us8o1jFQUjwOEc9omCX9gLBksSk7lWO2_8XjA9ZIkCZ/w640-h427/pexels-mart-production-7278796.jpg" title="What is Recession and its impact on economy?" width="640" /></a></td></tr><tr><td class="tr-caption" style="text-align: center;">Image source - pexels.com</td></tr></tbody></table><div class="separator" style="clear: both; text-align: center;"><span style="font-family: georgia;"></span></div><span style="font-family: georgia;"><br /><span style="background-color: #f7f7f8; color: #374151; font-size: 16px; white-space: pre-wrap;"><br /></span></span><p></p><p style="--tw-border-spacing-x: 0; --tw-border-spacing-y: 0; --tw-ring-color: rgba(59,130,246,0.5); --tw-ring-offset-color: #fff; --tw-ring-offset-shadow: 0 0 transparent; --tw-ring-offset-width: 0px; --tw-ring-shadow: 0 0 transparent; --tw-rotate: 0; --tw-scale-x: 1; --tw-scale-y: 1; --tw-scroll-snap-strictness: proximity; --tw-shadow-colored: 0 0 transparent; --tw-shadow: 0 0 transparent; --tw-skew-x: 0; --tw-skew-y: 0; --tw-translate-x: 0; --tw-translate-y: 0; background-color: #f7f7f8; border: 0px solid rgb(217, 217, 227); box-sizing: border-box; color: #374151; font-size: 16px; margin: 1.25em 0px; white-space: pre-wrap;"><span style="font-family: georgia;">One of the most significant impacts of a recession is a decrease in employment. During a recession, companies may reduce their workforce or go out of business altogether, leading to an increase in unemployment. This can have a ripple effect on the economy, as unemployed individuals are less able to purchase goods and services, further hurting businesses and leading to more job losses.</span></p><p style="--tw-border-spacing-x: 0; --tw-border-spacing-y: 0; --tw-ring-color: rgba(59,130,246,0.5); --tw-ring-offset-color: #fff; --tw-ring-offset-shadow: 0 0 transparent; --tw-ring-offset-width: 0px; --tw-ring-shadow: 0 0 transparent; --tw-rotate: 0; --tw-scale-x: 1; --tw-scale-y: 1; --tw-scroll-snap-strictness: proximity; --tw-shadow-colored: 0 0 transparent; --tw-shadow: 0 0 transparent; --tw-skew-x: 0; --tw-skew-y: 0; --tw-translate-x: 0; --tw-translate-y: 0; background-color: #f7f7f8; border: 0px solid rgb(217, 217, 227); box-sizing: border-box; color: #374151; font-size: 16px; margin: 1.25em 0px; white-space: pre-wrap;"><span style="font-family: georgia;">Another major impact of a recession is a decline in consumer spending. As individuals lose their jobs or face decreased income, they are less able to make purchases, leading to a decrease in demand for goods and services. This can lead to a decrease in production and further job losses, as companies struggle to sell their products.</span></p><p style="--tw-border-spacing-x: 0; --tw-border-spacing-y: 0; --tw-ring-color: rgba(59,130,246,0.5); --tw-ring-offset-color: #fff; --tw-ring-offset-shadow: 0 0 transparent; --tw-ring-offset-width: 0px; --tw-ring-shadow: 0 0 transparent; --tw-rotate: 0; --tw-scale-x: 1; --tw-scale-y: 1; --tw-scroll-snap-strictness: proximity; --tw-shadow-colored: 0 0 transparent; --tw-shadow: 0 0 transparent; --tw-skew-x: 0; --tw-skew-y: 0; --tw-translate-x: 0; --tw-translate-y: 0; background-color: #f7f7f8; border: 0px solid rgb(217, 217, 227); box-sizing: border-box; color: #374151; font-size: 16px; margin: 1.25em 0px; white-space: pre-wrap;"><span style="font-family: georgia;">Recession also impacts the stock market, Businesses and investors become more cautious, leading to a decrease in stock prices and a decline in the value of investments.</span></p><p style="--tw-border-spacing-x: 0; --tw-border-spacing-y: 0; --tw-ring-color: rgba(59,130,246,0.5); --tw-ring-offset-color: #fff; --tw-ring-offset-shadow: 0 0 transparent; --tw-ring-offset-width: 0px; --tw-ring-shadow: 0 0 transparent; --tw-rotate: 0; --tw-scale-x: 1; --tw-scale-y: 1; --tw-scroll-snap-strictness: proximity; --tw-shadow-colored: 0 0 transparent; --tw-shadow: 0 0 transparent; --tw-skew-x: 0; --tw-skew-y: 0; --tw-translate-x: 0; --tw-translate-y: 0; background-color: #f7f7f8; border: 0px solid rgb(217, 217, 227); box-sizing: border-box; color: #374151; font-size: 16px; margin: 1.25em 0px; white-space: pre-wrap;"><span style="font-family: georgia;">A recession can also have a negative impact on housing markets, as a decrease in employment and income can make it more difficult for individuals to afford mortgages and other housing-related expenses. This can lead to an increase in foreclosures and a decline in property values.</span></p><p style="--tw-border-spacing-x: 0; --tw-border-spacing-y: 0; --tw-ring-color: rgba(59,130,246,0.5); --tw-ring-offset-color: #fff; --tw-ring-offset-shadow: 0 0 transparent; --tw-ring-offset-width: 0px; --tw-ring-shadow: 0 0 transparent; --tw-rotate: 0; --tw-scale-x: 1; --tw-scale-y: 1; --tw-scroll-snap-strictness: proximity; --tw-shadow-colored: 0 0 transparent; --tw-shadow: 0 0 transparent; --tw-skew-x: 0; --tw-skew-y: 0; --tw-translate-x: 0; --tw-translate-y: 0; background-color: #f7f7f8; border: 0px solid rgb(217, 217, 227); box-sizing: border-box; color: #374151; font-size: 16px; margin: 1.25em 0px; white-space: pre-wrap;"><span style="font-family: georgia;">The government also plays a role in recessions. Government policies and spending can help to mitigate the impact of a recession. For example, monetary policy, such as lowering interest rates, can help to stimulate the economy by making it easier for businesses and individuals to borrow money. Fiscal policy, such as increased government spending or tax cuts, can also help to boost economic growth.</span></p><p style="--tw-border-spacing-x: 0; --tw-border-spacing-y: 0; --tw-ring-color: rgba(59,130,246,0.5); --tw-ring-offset-color: #fff; --tw-ring-offset-shadow: 0 0 transparent; --tw-ring-offset-width: 0px; --tw-ring-shadow: 0 0 transparent; --tw-rotate: 0; --tw-scale-x: 1; --tw-scale-y: 1; --tw-scroll-snap-strictness: proximity; --tw-shadow-colored: 0 0 transparent; --tw-shadow: 0 0 transparent; --tw-skew-x: 0; --tw-skew-y: 0; --tw-translate-x: 0; --tw-translate-y: 0; background-color: #f7f7f8; border: 0px solid rgb(217, 217, 227); box-sizing: border-box; color: #374151; font-size: 16px; margin: 1.25em 0px 0px; white-space: pre-wrap;"><span style="font-family: georgia;">In conclusion, a recession can have severe and far-reaching impacts on individuals, businesses, and entire economies. Decreases in employment and consumer spending, along with declines in the stock market and housing market can lead to a decrease in economic growth. Government policies and spending can help to mitigate the impact of a recession, but it is important for individuals, businesses, and governments to be prepared for the possibility of a recession and take steps to minimize its impact.</span></p>thehourjobhttp://www.blogger.com/profile/14864308772919653185noreply@blogger.com0tag:blogger.com,1999:blog-1761969221554830936.post-65079148762765545152019-10-28T01:02:00.002-07:002019-10-28T01:06:11.468-07:00"Technical Analysis Course: Secrets of Trading Revealed" from Luca Moschini - Review<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">The Udemy course "Technical Analysis 102: Secrets of Trading Revealed" from Luca Moschini of SharperTrades.com lives up to its name. It is full of helpful </span><span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 700; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">trading tips</span><span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">. It starts with three important tenants of Charles Dow theory. Dow's theory connected the stock market to the country's economy. For example, if the economy were to prosper, the railways would stand to gain too. Logistics are the natural beneficiary of national economy. If the GDP increases, rail goods transportation companies would also profit from an increased need for transportation. Dow's theory stated that only one factor cannot move the market in isolation. Market moves owing to a couple of interrelated factors, which are inter dependent. </span></span><br />
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<a href="https://1.bp.blogspot.com/--reTmdaD4Rg/Xbae0trrYSI/AAAAAAAADWc/5zYMOPvx1_Mften3y77fkrTH8Spfitt1wCLcBGAsYHQ/s1600/Technical%2BAnalysis%2BCourse.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt=""Technical Analysis Course: Secrets of Trading Revealed" from Luca Moschini - Review, day trading course, trading and investing course, trading secrets" border="0" data-original-height="720" data-original-width="1280" height="360" src="https://1.bp.blogspot.com/--reTmdaD4Rg/Xbae0trrYSI/AAAAAAAADWc/5zYMOPvx1_Mften3y77fkrTH8Spfitt1wCLcBGAsYHQ/s640/Technical%2BAnalysis%2BCourse.png" title=""Technical Analysis Course: Secrets of Trading Revealed" from Luca Moschini - Review" width="640" /></a></div>
<span style="font-size: large;"><span style="background-color: transparent; color: black; font-family: "calibri" , sans-serif; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><br /></span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Another theory of Dow states that the market does not move in a sharp linear motion, but rather in waves and zigzag fashion. This basic movement gave rise to technical analysis. All these are covered in Luca's "Dow theory" opening tutorial.</span></span><br />
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<span style="background-color: transparent; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline;"><span style="font-family: "calibri" , sans-serif; font-size: large; white-space: pre-wrap;"><i><a href="https://click.linksynergy.com/deeplink?id=4qJLd1HeQ0A&mid=39197&murl=https%3A%2F%2Fwww.udemy.com%2Fcourse%2Fsecrets-of-stock-market-trading-revealed%2F" target="_blank"><b>"Technical Analysis Course: Secrets of Trading Revealed" from Luca Moschini - Buy Now</b></a></i></span></span></div>
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<div dir="ltr" style="line-height: 1.3800000000000001; margin-bottom: 10pt; margin-top: 0pt;">
<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">The next video in the course is on an interesting topic : "Market players then and now"; In earlier years, market players used to be mainly of two types- the institutional investors and the rich individuals who were market informed. They controlled most of the market and the system was opaque owing lack of timely and fast information decimation. The other part comprised of retail investors who followed the institutions and were generally ignorant about the details of the market. However, the trading part was mostly manual, with orders being placed after lengthy discussion. Traders were glued to the bourse floor or later to the computer terminals. However, these days, the market players have transformed. The institutional investors, HNIs and retail investors still comprise the market but a new breed of firms have also joined this club: The hedging and proprietary trading firms. Bourses now offer futures trading in almost every type of commodities and stocks. Hedging firms minimize the risk of companies dealing in physical commodities while proprietary firms offer algo trade. In algo trade, the codes for various technical trading strategies are pre-programmed; the trader has to select the strategy and leave the rest to the algo systems. In short, technology has taken over the manual trades and the breed of investors has changed. To go through this fascinating journey of market participants decades ago and now, go through the video section – "Market players yesterday and today".</span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Institutional investors, algo trading and proprietary trading firm bets are termed as smart money, hot money, etc. A large portion of retail investors follows their investment, which is also tagged as smart money. It is termed as smart money because it is based on algo trading and technical analysis sans any human emotion. </span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">The minute the system feels that the stock has breached any technical parameter or there is any whiff of any fraud, the money shifts from a particular script to a better one. So retail investors need to understand where the hot money trail currently is in. To understand the smart money journey, Luca devotes full a video chapter titled "Smart Money: The Major Players in the Market ".</span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">The next videos enter into the sacrosanct area of trading technical analysis. Primarily he zooms into different accumulation, ascending, descending and distribution phases of the stock market. This chapter is extremely important for understanding positional trades as well as investor's entry openings and exit decisions.</span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">The market trend is very important. One can hold a stock as long as it remains above the trend line. Once it breaches the trend line, it can generate a buy or sell signal. The next video on "Market trends and waves" teaches how to read the market trends. A lot of helpful charts and animated tips accompany this chapter.</span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Past performance, helps predict the future market movements. Past price movements, create a lot of congestion areas, which ultimately become support and resistance. The video also includes volume analysis to validate the supports and resistance. Although both these terms are well known to every trader, but this course's video explains the mechanism behind formation of support and resistance areas along with many animated charts and with help of special charting software: this fact makes this video invaluable for beginners as well as retail traders.</span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Consolidation precedes breakout. Primarily it is very important to detect the consolidation areas. Next, it is very important to understand the type of breakout or breakdown that may occur after the consolidation. Both these important trading factors are dealt in the video "Consolidation patterns" admirably. Admirably because Luca liberally uses various visual indicators, time frames, moving averages, and animated pointers to make his points clear. Visual live examples always emphasize better than spoken words only.</span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Breakout after the consolidation is equally important. One of the most important breakout patterns is triangle based. Apart from triangle, breakout patterns can be wedge or pennant shaped. These occur at end of consolidation pattern and have to be validated through volume analysis. This whole consolidation and breakout patterns with process are explained vividly in consolidation, triangular, wedges and pennants video tutorial chapters.</span></span></div>
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<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Apart from the above </span><span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 700; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">stock trading secrets formula</span><span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">, there are also bonus video tutorials on candlesticks and later more in-depth video tips on trading.</span></span><br />
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<span style="font-size: medium;"><span style="background-color: transparent; font-family: "calibri" , sans-serif; font-size: large; vertical-align: baseline; white-space: pre-wrap;"><i><a href="https://click.linksynergy.com/deeplink?id=4qJLd1HeQ0A&mid=39197&murl=https%3A%2F%2Fwww.udemy.com%2Fcourse%2Fsecrets-of-stock-market-trading-revealed%2F" target="_blank"><b>"Technical Analysis Course: Secrets of Trading Revealed" from Luca Moschini - Buy Now</b></a></i></span></span></div>
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<span style="font-family: "georgia" , "times new roman" , serif; font-size: large; vertical-align: baseline; white-space: pre-wrap;">Although some might primarily find Luca's vocabulary or accent a bit difficult to follow, however, he makes that up through his detailed technical analysis video using charting software, moving averages, depiction of different technical patterns and animated pointing of these elements on these charts. While reviewing this course, I myself felt compelled to watch repeatedly some of the technical analysis videos. You might also feel the same once you dig a bit deep in the course" Technical Analysis 102: Secrets of Trading Revealed" from Luca Moschini" of SharperTrades.com. Go for this guiding course when it is available at a fraction of the original price. This course can be coined as a good </span><span style="font-family: "georgia" , "times new roman" , serif; font-size: large; font-weight: 700; vertical-align: baseline; white-space: pre-wrap;">trading secrets course</span><span style="font-family: "georgia" , "times new roman" , serif; font-size: large; vertical-align: baseline; white-space: pre-wrap;">. The technical analysis discussed in this course are no secrets, but its the vivid methodology used in explaining each of the technical trading signs are something that you will be hard-pressed to find in any other course at so low discounted price. </span></div>
thehourjobhttp://www.blogger.com/profile/14864308772919653185noreply@blogger.com0tag:blogger.com,1999:blog-1761969221554830936.post-72227685952578480502019-10-02T07:32:00.004-07:002019-10-02T07:46:36.850-07:00"Successful Negotiation: Master Your Negotiating Skills" from Udemy - Review <div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">"Successful Negotiation: Master Your Negotiating Skills" from Chris Croft, is all about successful </span><span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 700; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">negotiation strategies and tactics</span><span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">. In real life, we negotiate at all times whether that be in business or in our day-to-day incidents. Unknowingly, we already use many of the </span><span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 700; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">negotiation skills and techniques</span><span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"> described in this course. But going through this course will help us organize our negotiating thoughts, help us understand the type of </span><span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 700; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">negotiation skills</span><span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"> that we naturally use. This disciplined format will make our earlier scattered negotiations much more precise, powerful and result oriented.</span></span></div>
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<a href="https://1.bp.blogspot.com/-IwYhCk7faek/XZSz0AjTpSI/AAAAAAAADKo/yVTlYLDYx3weVVkOJyoDd6nOnApy5uSLQCLcBGAsYHQ/s1600/Successful%2BNegotiation.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt=""Successful Negotiation: Master Your Negotiating Skills" from Udemy - Review" border="0" data-original-height="720" data-original-width="1280" height="360" src="https://1.bp.blogspot.com/-IwYhCk7faek/XZSz0AjTpSI/AAAAAAAADKo/yVTlYLDYx3weVVkOJyoDd6nOnApy5uSLQCLcBGAsYHQ/s640/Successful%2BNegotiation.png" title=""Successful Negotiation: Master Your Negotiating Skills" from Udemy - Review " width="640" /></a></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span></span></div>
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<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 700; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Successful negotiation approaches</span><span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"> mean a compromise to your benefit. One may not get all that he wished, but he may save substantially or get something in return, that would have been zero in case of non-negotiation.</span></span><br />
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><br /></span></span>
<span style="font-family: "georgia" , "times new roman" , serif; font-size: medium;"><span style="background-color: transparent; font-family: "georgia" , "times new roman" , serif; font-size: large; vertical-align: baseline; white-space: pre-wrap;"><i><a href="https://click.linksynergy.com/deeplink?id=4qJLd1HeQ0A&mid=39197&murl=https%3A%2F%2Fwww.udemy.com%2Fcourse%2Fa-practical-guide-to-negotiating%2F" target="_blank"><b>"Successful Negotiation: Master Your Negotiating Skills" from Udemy - Buy Now</b></a></i></span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">The introductory video, logically, answers as to why we should negotiate. Wouldn’t it have been better to sell the product at a higher price or buy at a lower cost? When selling at a higher price, one has to spend additional on capex to make a superior product that would receive a premium. Similarly, production at lower input costs translates into additional investment in superior tools, lower raw material and lower manpower expenses. However in both of the above cases, we find that considerable physical money and labour is needed from the start. Compared to such physical means, negotiation is a soft-power mental tool, which can save thousands even before one starts production or even before selling a product. </span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span></span></div>
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<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Hence, understanding </span><span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 700; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">negotiation skills</span><span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"> process is very important and this Udemy </span><span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 700; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">negotiation skills course,</span><span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"> sometimes available at deep discounts, is an absolute read for anybody who wants a smarter deal, always.</span></span></div>
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<div dir="ltr" style="line-height: 1.2; margin-bottom: 0pt; margin-top: 0pt;">
<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Chris, in almost all video chapters, offers real life funny anecdotes. These funny incidents not only emphasize one particular negotiating skills and the savings earned through it, but also leave a mark in viewer's mind. As a result the next time we are in the same situation, we recall that incident and it guides us toward better negotiation.</span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">The program offers a preliminary but far reaching advice : structure the whole negotiation process. By structured negotiation, Chris means that the whole negotiation must be broken into predefined modules like planning, selecting the open offer price, the range of acceptable deviation, tradable, owns strong and weak points and the target price. A random logic may win occasional argument, but a well pre-planned structured negotiation wins brownie points consistently. We totally agree to this point, one must concede.</span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span></span></div>
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<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">The first operational video after the introduction is aptly named "Deciding to do it". It tries to remove the mental block that restrains us from even thinking of negotiation. We can be lazy, shy, suffer from an inferiority complex or fear opposite party's overbearing persona. People also have self-pride that makes </span><span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 700; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">negotiation skills and techniques</span><span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"> appear like a low stooping art but losing a couple of thousand dollars a more prestigious thing. This video tries to remove such mental blocks to negotiation, logically and humorously.</span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">An honest but curt no or sticking to one's thought and decision during negotiation normally ends in communication breakdown. At other times, one reluctantly agrees to something inevitable, but does it grudgingly. In such case he earns no goodwill, even if he completes the task. A better alternative can be negotiating for some benefits in return for that job. These benefits will make that job less tedious. It may even motivate the unwilling to do the job for those benefits. </span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">In the next video, Chris explains this gentle bargaining process effectively with day to day funny examples. He terms it as Win-Win tactics.</span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">The next session deals with creating the structured negotiation. This chapter details breaking into and deciding the negotiation’s opening price, the factors that should determine this price, how to tackle the counteroffers that might come, target price and the level of deviation which one should tolerate.</span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span></span></div>
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<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Chris then zooms on four important </span><span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 700; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">negotiation strategies and tactics.</span><span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"> One includes the tactics of keeping up a constant little pressure to bring the argument more nearer to your favor. Another technique is Salami, where instead of bargaining on the whole, small separate issues are taken on. Chris also lays open the strategy to force the other disclose their opening price. Countermeasures, it these strategies are applied on the reader, are also shown.</span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">The last tactics discussed by Croft is on how to entice reluctant turkeys to buy or sell your services.</span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">After Chris has done with tactical part, he zooms into all important trade part of discussion. In this trade phase, the ball is continually lobbed into others court to offer something. </span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">The ball of discussion has to be kept rolling: for this Chris advocates taking up and solving small steps.</span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Thereafter, we enter the final videos section. Chris discusses the importance of properly closing of negotiation to viewers benefit and the technique in deciding the final price, that is acceptable to both sides.</span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span></span></div>
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><span id="docs-internal-guid-6fa1c3cb-7fff-0c2d-f1bb-431c349ddd90"></span></span><br />
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">These negotiating hacks are scattered on the net. Chris does well to compile the most important ones in a single video compilation. He also quotes funny anecdotes from day to day life that simply but forcefully emphasizes the point through humour. This approach make a deep impression on viewers mind. The contents of the videos are easy to comprehend, fully readable, understandable. At a deep discounted price, this successful negotiation approaches course is a steal and should be a part of our lives.</span></span></div>
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thehourjobhttp://www.blogger.com/profile/14864308772919653185noreply@blogger.com0tag:blogger.com,1999:blog-1761969221554830936.post-44283018795210912752019-09-24T06:40:00.000-07:002019-10-02T07:47:03.344-07:00Positional Stock Trading Strategies for Financial Markets from Udemy - Review<div dir="ltr" style="text-align: left;" trbidi="on">
<div dir="ltr" style="line-height: 1.3800000000000001; margin-bottom: 10pt; margin-top: 0pt;">
<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">"Position stock trading Strategies for Financial Markets" is a course containing a series of videos from Yash Utmani, who is one of the key bloggers in stock trading " Indian Insight" site.</span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">This course from Udemy is straightforward and video-rich, with only two articles and nearly two hours of video content.</span></span></div>
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<a href="https://1.bp.blogspot.com/-VGlRZAmjqrM/XYocPPBo6VI/AAAAAAAADJw/H7t_yTJkqaIff_SBKszVH73aDs5X2Q6dwCLcBGAsYHQ/s1600/Positional%2BStock%2BTrading%2BStrategies%2Bfor%2BFinancial%2BMarkets%2Bfrom.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Positional Stock Trading Strategies for Financial Markets from Udemy - Review, elliot waves strategy, stock market course, trading course based on elliot waves" border="0" data-original-height="720" data-original-width="1280" height="360" src="https://1.bp.blogspot.com/-VGlRZAmjqrM/XYocPPBo6VI/AAAAAAAADJw/H7t_yTJkqaIff_SBKszVH73aDs5X2Q6dwCLcBGAsYHQ/s640/Positional%2BStock%2BTrading%2BStrategies%2Bfor%2BFinancial%2BMarkets%2Bfrom.png" title="Positional Stock Trading Strategies for Financial Markets from Udemy - Review" width="640" /></a></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">One better part of this course is that the videos are short and crisp with no beating about the bush for hours on one video. One video gently leads to the next chapter without wasting unnecessary time, leaving one craving for more.</span></span></div>
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<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">This course does not deal with all aspects of trading. It sheds light on a narrow but three important</span><span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 700; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"> list of trading strategies</span><span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"> i.e. positional stock trading, Elliot waves and Gap in classical technical analysis. </span></span></div>
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<span style="background-color: transparent; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><i><a href="https://click.linksynergy.com/deeplink?id=4qJLd1HeQ0A&mid=39197&murl=https%3A%2F%2Fwww.udemy.com%2Fcourse%2Fstock-trading-strategies%2F" target="_blank"><b>Positional Stock Trading Strategies for Financial Markets from Udemy - Buy Now.</b></a></i></span></span></div>
<div dir="ltr" style="line-height: 1.3800000000000001; margin-bottom: 10pt; margin-top: 0pt;">
<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">This course does not go around explaining every technical analysis tools. It does not preach candlesticks analysis or EMAs or indicators. Nor does it wander into the fundamental analysis region. It is unlike those courses, which nibble in every part of the capital market. .It precisely focuses on three price analysis parts - positional, Elliot waves and gaps.</span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Positional stock analysis is extremely important. It falls somewhere between active and passive investing. However, it is important because once a script is taken at a proper position at trend start, it can lead to multifold profit. The key lies in riding a trend whether up or down. But it is easier said than done . Identifying the start of a trend is most important. If every trader could have identified this trend successfully, then most of them would have been rich. However, most cannot identify the start of a proper trend. Any price ascending or descending cannot be called a trend beginning. </span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">This course straightway starts with explaining the concept of positional stock trading. It stresses on why positional trading is much better than frequent day-trading. It stresses on advantage of positional trading like less attention to minute price fluctuations, lower transaction charges owing to almost zero trading per day as opposed to frequent Intraday trades. Indeed, once a trader can ride a real trend, returns are manifold at very low costs.</span></span></div>
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<div dir="ltr" style="line-height: 1.3800000000000001; margin-bottom: 10pt; margin-top: 0pt;">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Trading cannot be successful without a proper strategy in place. The next video gives some </span><span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 700; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">positional trading tips</span><span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">. This video deals with the creation of a proper </span><span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 700; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">positional trading strategy</span><span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">. The video explains how to formulate a proper entry price that should be taken at the start of a proper trend. But that is not all . The author explains the logic behind calculating the correct stop-loss and target price too, before taking a new position.</span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">One must thank the author for emphasizing the important principle – To be consistent one has to be a disciplined trader. And to be that disciplined trader, one needs to have the whole strategy in place for positional trading. This strategy is dealt with in the course "stock trading strategy basics".</span></span></div>
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<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">The next video deals with the main technical tool for this course –The </span><span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 700; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Elliot wave trading</span><span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"> and its analysis. Due importance is given to defining the Elliot waves first. The author then gradually enters into the main components of Eliott wave- The motive , impulse waves and the diagonal triangles. Elliot waves are a summation of these waves . Understanding these concepts is very important. The author does his job admirably, with nifty charts for live examples. </span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Motive and impulse waves are part of a long-term trend. However, it is important to understand the shorter correction that will come after the main trend. Those Elliot waves are termed corrective wave. They are more complex than the main trend forming impulse waves. The next video deals with the corrective waves.</span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">One important factor in this course is the fact that the explanations, examples, and charts are simple but illustrative. This is an easy easy digestible training course. This easily digestible point is important because Elliot waves are difficult to conceptualize or to make out. Kudos to the author for trying to take a difficult trading tool head-on in a simple manner.</span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">At the very start, Yash Utmani had made it clear that this course will be a converge of three aspects of trading – Positional Stock taking opportunity via positional trading principles , Elliot waves and Classical Technical Gap analysis.</span></span></div>
<div dir="ltr" style="line-height: 1.3800000000000001; margin-bottom: 10pt; margin-top: 0pt; padding: 0pt 0pt 0pt 36pt; text-indent: -36pt;">
<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Positional trading and Elliot analysis are dealt with in the previous videos. The next video logically is on Gaps. Gaps are one of the most trend reversal or trend start indicators. The videos are divided into two sections. The first video under this chapter deal with important Gaps like Gap up, Gap down, breakaway and exhaustion Gaps. But the next section deals with equally non-indicator false gaps , that should not matter and thinking them as Gaps may lead to false signals.</span></span></div>
<b id="docs-internal-guid-50b3dd3f-7fff-c8cc-5d0a-ee78a6967265" style="font-weight: normal;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span></b>
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<div dir="ltr" style="line-height: 1.3800000000000001; margin-bottom: 10pt; margin-top: 0pt;">
<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Now combining the knowledge of positional stock analysis, Elliot waves and Gap technical analysis, Yash presents three trading strategies, which are easy to understand.</span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">The last videos series of this course deal with dealing more into the Elliot waves, after an Elliot wave pattern emerges.There are guidelines on how the waves, trendline and triangle depths in Elliot waves, are to be measured. This chapter is very important to get the basics of Elliot waves clearer and calculate the target price,</span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">The course contains one interesting video on money management, where the percentage of capital that can be invested in each trend or wave pattern, is discussed.</span></span></div>
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<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 700; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Elliott wave theory</span><span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"> is difficult to understand. They are are not as simple as trend displayers like SMAs or indicators like RSI and MACD. But, they are extremely popular in trading because these waves have been created from a fundamental recurring fractal wave patterns in nature, and have been present in price patterns for more than a century.. Many times Elliot waves have proved themselves to be correct indicator of a trend start or reversal in stock trading. Yash Utmani does well to make the Elliot wave conception clear and demonstrate its use in positional stock trading. Try to buy the course when deep discounts are available on it.</span></span></div>
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thehourjobhttp://www.blogger.com/profile/14864308772919653185noreply@blogger.com0tag:blogger.com,1999:blog-1761969221554830936.post-236679652617904962019-02-08T06:29:00.001-08:002019-02-08T06:50:45.247-08:00The Importance of Personal Finance Management <div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="background-color: transparent; color: #4f81bd; font-family: "georgia" , "times new roman" , serif; font-size: large; font-style: normal; font-variant: normal; font-weight: 700; text-decoration: none; vertical-align: baseline; white-space: pre;"></span></div>
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<span style="background-color: transparent; color: #4f81bd; font-style: normal; font-variant: normal; font-weight: 700; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">What is personal finance management?</span></span></div>
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<span style="background-color: transparent; color: #4f81bd; font-style: normal; font-variant: normal; font-weight: 700; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">You have seen companies listing their annual reports. These reports consist of balance sheet, cash flow and income statement. These reports help you to gauge the financial position of the company at time of publication.</span></span><br />
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<a href="https://3.bp.blogspot.com/-jw-sbakPKos/XF2Riy0Mm6I/AAAAAAAACf8/LcQlayO8AYYjJZhzPAZPTBOOHP40Dd3vwCEwYBhgL/s1600/pexels-photo-1253591.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="The Importance of Personal Finance Management, The Importance of Personal Finance Management " border="0" data-original-height="426" data-original-width="640" src="https://3.bp.blogspot.com/-jw-sbakPKos/XF2Riy0Mm6I/AAAAAAAACf8/LcQlayO8AYYjJZhzPAZPTBOOHP40Dd3vwCEwYBhgL/s1600/pexels-photo-1253591.jpeg" title="The Importance of Personal Finance Management " /></a></div>
<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span></span></div>
<span style="background-color: transparent; color: black; font-family: "georgia" , "times new roman" , serif; font-size: large; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre;"><b id="docs-internal-guid-e11b26e3-7fff-7b26-3a70-08e810ba236b" style="font-weight: normal;"><br /></b></span>
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<span style="background-color: transparent; color: #4f81bd; font-style: normal; font-variant: normal; font-weight: 700; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Why is finance management important? Example of finance management.</span></span></h2>
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<span style="background-color: transparent; color: #4f81bd; font-style: normal; font-variant: normal; font-weight: 700; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">These statements help ascertain the assets, liabilities of the firm, and whether the operation of the company is generating positive cash for it. It also bares before you the trend of the firm, whether it is generating increasing profit or being stuck in debts. Stagnation in output or profits becomes clear to you once you study the successive annual reports.</span></span></div>
<span style="background-color: transparent; color: black; font-family: "georgia" , "times new roman" , serif; font-size: large; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre;"><b style="font-weight: normal;"><br /></b></span>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Similarly, personal finance deals with money management of an individual.</span></span></div>
<span style="background-color: transparent; color: black; font-family: "georgia" , "times new roman" , serif; font-size: large; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre;"><b style="font-weight: normal;"><br /></b></span>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">The aim of personal finance is managing your own job, business, salary, profits, personal assets etc. today in a way that leads to greater wealth build up in future.</span></span></div>
<span style="background-color: transparent; color: black; font-family: "georgia" , "times new roman" , serif; font-size: large; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre;"><b style="font-weight: normal;"><br /></b></span>
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<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Let us glean over some of common ways for personal finance </span><span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">management.</span></span></div>
<span style="background-color: transparent; color: black; font-family: "georgia" , "times new roman" , serif; font-size: large; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre;"><b style="font-weight: normal;"><br /></b></span>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">For an individual, many avenues have opened for wealth increase. It is better to consult an expert in personal finance domain to pick the best avenue of personal investment.</span></span></div>
<span style="background-color: transparent; color: black; font-family: "georgia" , "times new roman" , serif; font-size: large; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre;"><b style="font-weight: normal;"><br /></b></span>
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<span style="background-color: transparent; color: #4f81bd; font-style: normal; font-variant: normal; font-weight: 700; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Income after retirement </span></span></h2>
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<span style="background-color: transparent; color: #4f81bd; font-style: normal; font-variant: normal; font-weight: 700; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">NPS or National Pension Scheme is one of the safest slow asset builders. Professional body of Pension Fund Regulatory Development Authority (PFRDA) manages it.</span></span></div>
<span style="background-color: transparent; color: black; font-family: "georgia" , "times new roman" , serif; font-size: large; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre;"><b style="font-weight: normal;"><br /></b></span>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">As per your risk profile for final wealth build, you can choose to invest in equity, index futures, and fixed income instruments or in government securities in NPS.</span></span></div>
<span style="background-color: transparent; color: black; font-family: "georgia" , "times new roman" , serif; font-size: large; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre;"><b style="font-weight: normal;"><br /></b></span>
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<div dir="ltr" style="line-height: 1.2; margin-bottom: 0pt; margin-top: 0pt;">
<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">This fund has the lowest operating cost among any such professionally managed funds. Not only do you have government securing your principal, but also if you are not happy with returns, you can change your fund manager easily.</span></span></div>
<span style="background-color: transparent; color: black; font-family: "georgia" , "times new roman" , serif; font-size: large; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre;"><b style="font-weight: normal;"><br /></b></span>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Pros lie in the fact that on maturity after a minimum fixed period, 40% of the matured amount has to be put in annuity schemes of any pension insurance company (who are eligible to offer annuity package on NPS maturity). The rest 60% maturity amount is now tax free in hands of investor.</span></span></div>
<span style="background-color: transparent; color: black; font-family: "georgia" , "times new roman" , serif; font-size: large; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre;"><b style="font-weight: normal;"><br /></b></span>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">It's major advantage lies in the direct deduction you get under 80CCD, 80C, 80COB, 80CCD(1B) for your own and employer's contribution.</span></span></div>
<span style="background-color: transparent; color: black; font-family: "georgia" , "times new roman" , serif; font-size: large; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre;"><b style="font-weight: normal;"><br /></b></span>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Another necessary part of personal finance management deals with securing yourself from medical emergency financial needs. If not properly insured, such an expense can literally drive you to streets.</span></span></div>
<span style="background-color: transparent; color: black; font-family: "georgia" , "times new roman" , serif; font-size: large; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre;"><b style="font-weight: normal;"><br /></b></span>
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<span style="background-color: transparent; color: #4f81bd; font-style: normal; font-variant: normal; font-weight: 700; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Securing yourself from medical finances</span></span></h2>
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<span style="background-color: transparent; color: #4f81bd; font-style: normal; font-variant: normal; font-weight: 700; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Consult an expert in the field of medical insurance to find out the best offer for the type of medical insurance you have in mind. There are multiple such companies (ICICI LOMBARD, BHARTI AXA, HDFC ERGO, IFFCO TOKYO, Apollo Munich, STAR HEALTH, New india Insurance etc.) offering a variety of cover against general, critical diseases and for outdoor, day-care, hospitalisation needs. There are hundreds of clauses and conditions, so this part of personal money management mandatory needs expert.</span></span></div>
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<span style="background-color: transparent; color: #4f81bd; font-style: normal; font-variant: normal; font-weight: 700; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Wealth build-up</span></span></h2>
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<span style="background-color: transparent; color: #4f81bd; font-style: normal; font-variant: normal; font-weight: 700; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span></span></div>
<div dir="ltr" style="line-height: 1.2; margin-bottom: 0pt; margin-top: 0pt;">
<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">If you prefer quicker build-up of wealth albeit with market risk, go for mutual funds. Choose a fund led by the find manager who has produced consistent returns considerably above interest rates, even when the markets were down.</span></span></div>
<span style="font-family: georgia, "times new roman", serif; font-size: large; white-space: pre-wrap;"><br /></span>
<span style="font-family: georgia, "times new roman", serif; font-size: large; white-space: pre-wrap;">In case you wish to get a maturity amount, which beats the interest rate, and carry a commitment of return from a trusted party, you can choose the commercial papers, NCDs of reputed companies as well as government bonds. Riskier the bond, higher is the return you get. You do not need be a financial expert to ascertain the risk profile of the commercial paper you want to invest. </span><br />
<span style="background-color: transparent; color: black; font-family: "georgia" , "times new roman" , serif; font-size: large; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre;"><b style="font-weight: normal;"><br /></b></span>
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<div dir="ltr" style="line-height: 1.2; margin-bottom: 0pt; margin-top: 0pt;">
<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Rating agencies like ICRA, CRISIL, CARE do that job for you so that you can invest securely. You can also choose liquid or debt mutual funds, which have an expert team to invest in these papers.</span></span></div>
<span style="background-color: transparent; color: black; font-family: "georgia" , "times new roman" , serif; font-size: large; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre;"><b style="font-weight: normal;"><br /></b></span>
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<div dir="ltr" style="line-height: 1.2; margin-bottom: 0pt; margin-top: 0pt;">
<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Another advantage of these bonds lie in fact that they are traded (though thinly) in secondary market.</span></span></div>
<span style="background-color: transparent; color: black; font-family: "georgia" , "times new roman" , serif; font-size: large; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre;"><b style="font-weight: normal;"><br /></b></span>
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<div dir="ltr" style="line-height: 1.2; margin-bottom: 0pt; margin-top: 0pt;">
<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Infrastructure bonds carry additional advantage of providing extra savings deduction.</span></span></div>
<span style="background-color: transparent; color: black; font-family: "georgia" , "times new roman" , serif; font-size: large; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre;"><b style="font-weight: normal;"><br /></b></span>
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<span style="background-color: transparent; color: #4f81bd; font-style: normal; font-variant: normal; font-weight: 700; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Secure family from income stoppage</span></span></h2>
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<span style="background-color: transparent; color: #4f81bd; font-style: normal; font-variant: normal; font-weight: 700; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">When we talk about personal finance, the aim is also to create a safely moat around us. One aspect of this moat is life insurance. Life insurance is broadly classified in three: 1) endowment (where you get a lump-sum amount on maturity), </span></span></div>
<div dir="ltr" style="line-height: 1.2; margin-bottom: 0pt; margin-top: 0pt;">
<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">2) Payback policies where you get a fixed amount of payment after certain intervals once a term is completed and </span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">3) Term policy, which gives your nominee a substantial claim only on policyholder's demise. It requires a very low premium but does not yield anything on maturity if the policyholder is alive.</span></span></div>
<span style="background-color: transparent; color: black; font-family: "georgia" , "times new roman" , serif; font-size: large; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre;"><b style="font-weight: normal;"><br /></b></span>
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<span style="background-color: transparent; color: #4f81bd; font-style: normal; font-variant: normal; font-weight: 700; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Personal finance websites</span></span></h2>
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<span style="background-color: transparent; color: #4f81bd; font-style: normal; font-variant: normal; font-weight: 700; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Apart from physically interacting with the experts in the field of personal finance (it is essentially managing your expenses, properly utilizing your revenue / salary and utilizing your assets so that together they work to increase your wealth to a predetermined level), you can visit sites like</span></span><br />
<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Jago investor</span></span></div>
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<li dir="ltr" style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; list-style-type: disc; text-decoration: none; vertical-align: baseline; white-space: pre;"><div dir="ltr" style="line-height: 1.2; margin-bottom: 0pt; margin-top: 0pt;">
<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">One mint</span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Subramoney</span></span></div>
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</ul>
<span style="font-family: georgia, "times new roman", serif; font-size: large; white-space: pre-wrap;">To get readymade answers on personal finance queries. You can post your own doubts there to clear the air.</span><br />
<span style="background-color: transparent; color: black; font-family: "georgia" , "times new roman" , serif; font-size: large; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre;"><b style="font-weight: normal;"><br /></b></span>
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<div dir="ltr" style="line-height: 1.2; margin-bottom: 0pt; margin-top: 0pt;">
<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">In case, you want to dabble in shares to get to your target wealth level pretty quickly, you may check out:</span></span><br />
<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span></span></div>
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<li dir="ltr" style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; list-style-type: disc; text-decoration: none; vertical-align: baseline; white-space: pre;"><div dir="ltr" style="line-height: 1.2; margin-bottom: 0pt; margin-top: 0pt;">
<a href="http://www.screener.in/" style="text-decoration: none;"><span style="background-color: transparent; color: #1155cc; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: underline; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">www.screener.in</span></span></a></div>
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<li dir="ltr" style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; list-style-type: disc; text-decoration: none; vertical-align: baseline; white-space: pre;"><div dir="ltr" style="line-height: 1.2; margin-bottom: 0pt; margin-top: 0pt;">
<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">moneyworks4me</span></span></div>
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<li dir="ltr" style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; list-style-type: disc; text-decoration: none; vertical-align: baseline; white-space: pre;"><div dir="ltr" style="line-height: 1.2; margin-bottom: 0pt; margin-top: 0pt;">
<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">researchbytes.</span></span></div>
</li>
</ul>
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<span style="background-color: transparent; color: #4f81bd; font-style: normal; font-variant: normal; font-weight: 700; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Personal finance apps</span></span></h2>
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<span style="background-color: transparent; color: #4f81bd; font-style: normal; font-variant: normal; font-weight: 700; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">In older days, people scribbled and calculated on paper scraps their daily expenses, revenues and calculated manually. It was replaced by Excel sheets. However, the availability of personal finance apps like “bluecoin” has changed the rules. In this app, not only multiple classes of expenses and revenues are available for categorized input, but you can also study their trends visually. Graphical display of trend for net assets, revenue, expenses or expenses vs salary are vital for personal finance. They help you to pinpointing where you are going wrong. (mounting expenses in a particular category). Or improving (increasing revenue from a channel).</span></span></div>
<span style="background-color: transparent; color: black; font-family: "georgia" , "times new roman" , serif; font-size: large; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre;"><b style="font-weight: normal;"><br /></b></span>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">This app also allows you to enter every detail of your credit card loans or EMI, so that it can correctly alert you on the D-day of EMI or credit card payment.</span></span></div>
<span style="background-color: transparent; color: black; font-family: "georgia" , "times new roman" , serif; font-size: large; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre;"><b style="font-weight: normal;"><br /></b></span>
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<div dir="ltr" style="line-height: 1.2; margin-bottom: 0pt; margin-top: 0pt;">
<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Apps like bluecoin, bankbazaar (from which you can apply for personal loans or compare rates of personal loans) are essential tools in your money management.</span></span></div>
<span style="background-color: transparent; color: black; font-family: "georgia" , "times new roman" , serif; font-size: large; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre;"><b style="font-weight: normal;"><br /></b></span>
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<span style="background-color: transparent; color: #4f81bd; font-style: normal; font-variant: normal; font-weight: 700; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Start today!</span></span></h2>
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<span style="background-color: transparent; color: #4f81bd; font-style: normal; font-variant: normal; font-weight: 700; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span></span></div>
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large; white-space: pre-wrap;">Go online, study the sites given here, use the money management apps described and consult experts in this field, soon you will feel increase in efficiently using your assets today to build a much wider base in future.</span><span style="background-color: transparent; color: black; font-family: "georgia" , "times new roman" , serif; font-size: large; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre;"></span></div>
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thehourjobhttp://www.blogger.com/profile/14864308772919653185noreply@blogger.com1tag:blogger.com,1999:blog-1761969221554830936.post-40936228354286737802019-01-21T06:06:00.002-08:002019-01-21T06:12:58.033-08:00What is Debt Management and its Importance? <div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><b>Debt Management explained</b></span></h3>
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<b><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span></b></div>
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<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">You can get loans easily. Today there are
surfeits of avenues, willing to provide you debt. But that's one part of the
story. Can you manage the debt repayment once payback time steps in?<o:p></o:p></span></div>
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<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">The whole process of taking debt and repaying it
is termed debt management. <o:p></o:p></span></div>
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<tr><td style="text-align: center;"><a href="https://1.bp.blogspot.com/-KswfAnTWLZI/XEXRJNsa5kI/AAAAAAAACd8/ZIjHClwYxpktbLTj7SRPhYvTlfN8MVK7gCLcBGAs/s1600/money-card-business-credit-card-50987.jpeg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img alt="How will you get rid of debts, Points to consider before you take debt, What is Debt Management and its Importance, Debt Management, its Importance" border="0" data-original-height="426" data-original-width="640" src="https://1.bp.blogspot.com/-KswfAnTWLZI/XEXRJNsa5kI/AAAAAAAACd8/ZIjHClwYxpktbLTj7SRPhYvTlfN8MVK7gCLcBGAs/s1600/money-card-business-credit-card-50987.jpeg" title="What is Debt Management and its Importance? " /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Image source : pexel.com</td></tr>
</tbody></table>
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<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><b>Importance of debt management</b></span></h3>
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<b><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span></b></div>
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<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Debt management originates when you are even
thinking of taking a loan. The single most important factor with considering
then is the amount of disposable income you will have in hand after meeting
your expenses fairly. <o:p></o:p></span></div>
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<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><b>Points to consider before you take debt</b></span></h4>
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<b><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span></b></div>
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<li class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt; vertical-align: baseline;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Can your disposable income support the future EMI payments?<o:p></o:p></span></li>
<li class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt; vertical-align: baseline;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">In case of emergency, do you have assets to can cover
your debt on liquidation?<o:p></o:p></span></li>
<li class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt; vertical-align: baseline;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Is the loan you are taking absolutely necessary?
Remember, missing even one EMI will pull down your credit score
considerably.<o:p></o:p></span></li>
</ul>
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<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">As long as you are repaying back your EMIs and
credit card dues on time, everything remains fine. But life is not a fairy-tale
and EMI or credit loan repayment default occurs fairly often. It's then that
the hell breaks loose. <o:p></o:p></span></div>
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<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Credit card and personal loans are unsecured.
They are easy to get, but carry an astronomical penalty in case of default. In
case of multiple miss of repayment on scheduled dates, you will soon be
overwhelmed with an ever mounting penalty interest to pay for. In extreme cases
sometimes it surpasses the loan principal.<o:p></o:p></span></div>
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<br /></div>
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<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><b>The second part of debt management starts here. </b><o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Actual debt management starts now<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">This is the crucial part when you are unable to
repay installments on time and the unsecured debts are compounding with
interest.<o:p></o:p></span></div>
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<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<h3 style="line-height: normal; margin-bottom: 0.0001pt; text-align: left;">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><b>How will you get rid of debts?</b></span></h3>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt; vertical-align: baseline;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Keep the penalty of the debts from rising further by
paying the monthly minimum amount for all the debts. As this amount is
generally very small compared to full installment amount, normally it is
payable even in times of distress<o:p></o:p></span></li>
<li class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt; vertical-align: baseline;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Now take the first unsecured loans that you want to pay
in full. Preferably, choose the credit card loan first, as non-payment of
interest for this loan shoots up interest penalty from 24% to 50%.<o:p></o:p></span></li>
<li class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt; vertical-align: baseline;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Change your lifestyle to generate more disposable
income. This is mandatory.<o:p></o:p></span></li>
<li class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt; vertical-align: baseline;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Try to generate extra income whenever possible. <o:p></o:p></span></li>
<li class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt; vertical-align: baseline;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Use both these amounts to repay extra amount of credit
card loans.<o:p></o:p></span></li>
<li class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt; vertical-align: baseline;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">In case you do not have credit card loans outstanding,
attack personal loans. These have the highest interest rate after credit
cards. This is because both loans are unsecured.<o:p></o:p></span></li>
<li class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt; vertical-align: baseline;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Do not stop till you repay either of these in full.
Once a high interest loan is closed, it will give you a psychological
boost to take over the next loan with max. Interest rates.<o:p></o:p></span></li>
<li class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt; vertical-align: baseline;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Throughout all this process, debar other loan penalties
from increasing. Religiously pay the minimum payable amount each month for
all other loans.<o:p></o:p></span></li>
<li class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt; vertical-align: baseline;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">In this way, choose to kill each loan, one by one,
starting from the highest unsecured loan first.<o:p></o:p></span></li>
<li class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt; vertical-align: baseline;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Another part of debt management is proper utilization
of “windfall amount”. These amounts are a lump-sum one time payment which
you had not anticipated. It can be arrears, income tax refund, a sudden
increase in value of shares. Main point is, instead of utilizing this one
time amount into something that would fade with time, desist and rather
downsize your loan with this amount.<o:p></o:p></span></li>
<li class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt; vertical-align: baseline;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">If you are unable to arrange for disposable income
enough to close even one loan, go for low cost long term loans. If
salaried individual, you can consider EPF, PPF or PF loans.PF loans have
an interest rate +2% above the ongoing rate they pay to you. What's more,
if the situation is dire, you can apply for “Non Recoverable Loans - NRL”.
<o:p></o:p></span></li>
<li class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt; vertical-align: baseline;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">You can also try to arrange for long term loans from
p2p lending agencies. Try to secure a long term loan at a considerably
lower interest rates.<o:p></o:p></span></li>
</ul>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<ul style="margin-top: 0in;" type="disc">
<li class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt; vertical-align: baseline;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Another avenue of debt management can be under or unutilized
assets lying idle like gold. If you think that your prospects will improve
in future, you can take gold loan, which being secured, carries
lower interest rate than unsecured debts. <o:p></o:p></span></li>
<li class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt; vertical-align: baseline;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">You can also liquidate a part of your gold of any other
fixed assets to foreclose a high interest loan. That is why, the beginning
of this article stressed on the fact of checking whether you have enough
assets to cover your loan.<o:p></o:p></span></li>
<li class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt; vertical-align: baseline;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Automated debt management makes liberal use of
applications like Bankbazaar or Bluecoins finance manager in Android. Such
application not only helps you decide the trend of income and expenses of
each category, but auto-alerts you on the date of different repayments.
You can now visually pinpoint areas of weakness and strengths in your
income and expenses.<o:p></o:p></span></li>
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</ul>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<span style="line-height: 115%;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">The base of debt management
lies in self-discipline and accepting the fact that you have to alter your
lifestyle, search for extra income and desist from taking new loans. You have
to go through some hardships but closing and paying up existing dues has to be prioritized.</span></span></div>
thehourjobhttp://www.blogger.com/profile/14864308772919653185noreply@blogger.com0tag:blogger.com,1999:blog-1761969221554830936.post-53933465773980721512019-01-20T06:41:00.001-08:002019-01-20T06:50:37.347-08:00Why Saving and Investment is Important for your secured future?<div dir="ltr" style="text-align: left;" trbidi="on">
<h3 style="line-height: normal; margin-bottom: 0.0001pt; text-align: left;">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><b>Correlation between savings and investment</b></span></h3>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><b><br /></b></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Savings is more important than investment
because the large corpus we normally create from savings, form the bedrock of
investment.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Investment is necessary because some things in
life like land, house, personal car etc. comes at a high cost. Savings or
normal income alone cannot cover the premium you pay for these. These costs can
be countered by investments, which, if invested properly, double your wealth in
3-5 years.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Stock markets, land are some of the fastest
money growers. If you are in a hurry, invest in stocks or better in mutual
funds. Mutual funds have the advantage of expert fund managers, managing your
money. Land value increases rapidly, but also carry a lot of litigation which
may be impossible to untangle.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span></div>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://1.bp.blogspot.com/-Pp6aF5YNj4s/XESAXcX2xGI/AAAAAAAACd0/38xlHjmXuDkgXVHg626QdEBrgCLtbURrwCEwYBhgL/s1600/pexels-photo-1288483.jpeg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img alt="Saving and Investment is Important for your secured future, importance of savings, importance of investment" border="0" data-original-height="427" data-original-width="640" src="https://1.bp.blogspot.com/-Pp6aF5YNj4s/XESAXcX2xGI/AAAAAAAACd0/38xlHjmXuDkgXVHg626QdEBrgCLtbURrwCEwYBhgL/s1600/pexels-photo-1288483.jpeg" title="Why Saving and Investment is Important for your secured future?" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Image Source - Pexel</td></tr>
</tbody></table>
<h3 style="line-height: normal; margin-bottom: 0.0001pt; text-align: left;">
<b style="font-family: Georgia, "Times New Roman", serif; font-size: x-large;"><br /></b></h3>
<h3 style="line-height: normal; margin-bottom: 0.0001pt; text-align: left;">
<b style="font-family: Georgia, "Times New Roman", serif; font-size: x-large;">Why save?</b></h3>
<h4 style="line-height: normal; margin-bottom: 0.0001pt; text-align: left;">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><b>Importance of savings:</b></span></h4>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">If properly selected, more the investment,
greater are the returns. To have a sizeable amount on maturity, you need to
invest a large amount. This large amount is possible via regular savings
instruments like EPF. NSC. Etc. As we delve further on this matter in this
article, we will go through the merits of common savings instruments.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">The primary mantra is to save in a smart way so that
the amount compounds. Once it reaches a sizeable corpus, go for investing
safely so that now the amount increases at a faster rate.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Another reason for savings in a smart way is so
that your returns beat the low-interest rate regime or is not less than
inflation-adjusted returns at any time.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Let us now go through the common savings
schemes, which provide good returns.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<h3 style="line-height: normal; margin-bottom: 0.0001pt; text-align: left;">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><b>Different common savings
scheme with good return</b></span></h3>
<div class="MsoNormal" style="line-height: normal; margin-bottom: 12.0pt;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">One of the best returns is provided by EPF. Its
beauty lies in the fact that its annual interest under 9.5% is tax-free. Also,
the amount your employer pays for your EPF is tax-free annually till 12% of
employee’s own contribution.NSC gives interest at a predetermined rate and does
not come down in low-interest regime. Another positive fact about NSC is that
its interest is added to the principal amount of that year. The sum becomes the
principal amount for next year on which you obtain interest next. Therefore,
the money grows in a compound fashion. Indian Government guarantees the return.
All these facts make NSC a good savings option with close to investment grade
output. <o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">However, the amount on maturity is taxable.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">NPS (National Pension Scheme) is one of the
savings avenue by which you lessen your tax outgo. It falls under EET scheme
where the amount invested and its interest is relieved under extra 50,000
special deductions available through 80CCD tax deduction route. <o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">However, one con of NPS is the high lock-in
period and very low amount of taxes you have to pay on the 60% amount that you
can take out on maturity at retirement or 60 years. Rest 40% amount has to be
put into Annuity i.e pension schemes.<o:p></o:p></span></div>
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<br />
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<h3 style="line-height: normal; margin-bottom: 0.0001pt; text-align: left;">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><b>Investment with Insurance is needed</b></span></h3>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">You can concentrate on wealth build up when you
are secured from medical or insurance costs. <o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">So is there any investment instrument, which
combines insurance with a rapid increase in corpus? ULIP fills that purpose.
Buy units of ULIP that would be enough for your insurance needs. However,
invest in ULIP only when the markets are low. <o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">ULIP is unit linked policy where the number of
units you buy at NAV is invested in debt funds or market and provides insurance
too proportionate to that amount. Not only does the NAV increase with an
increase in market price of stocks, but you get relief under 80C too for
investment in that fiscal. It has a lock-in period of 5 years. However, for
proper growth, it's better that you remain invested for a longer period. Do not
forget there's insurance connected with it.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><b>Investment so that your wealth increase rapidly.</b><o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">If you are in a hurry to increase your wealth
quickly, (you are in the approaching 40s) try ELSS. This is the best
combination of wealth increase along with tax savings. <o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<h3 style="line-height: normal; margin-bottom: 0.0001pt; text-align: left;">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><b>Importance of tax savings</b></span></h3>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Tax savings mean more disposable money in your
hand, through which you can invest or save more. More investment or more
savings, both are mandatory for your happy future. Once your cash flow from
work (salary) stops, these investment created from savings, will provide you
with steady returns. <o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><b>Back to ELSS</b><o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">ELSS has a lock-in period of 3 years. After this
mandatory lock-in period, the matured amount is tax-free in the hands of the
investor.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><b>Investing your Windfall Amount</b><o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Savings accounts fetch you a meagre 3.5-7%. When
you receive a “windfall amount” (a comparatively large amount that was not
anticipated), you will not like it to fetch only 4% in a normal savings
account. That is not the way to increase your money rapidly. For the ultra
short term period, put this money in liquid funds.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Liquid funds lag behind savings deposit only in
one respect i.e. tax. These funds are taxable either as short term capital
gains or as other income in your tax slab.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Apart from this, liquid funds are the best
avenue for ultra-short term investment. <o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Until you have a high return investment
opportunity to use the Windfall Amount, invest it in liquid MFs. <o:p></o:p></span></div>
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<br /></div>
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<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">The liquid fund houses employ a mix of AAA+
rated commercial papers and lower-rated bonds, company certificates to give you
a constant return of 7-9%, which is way above normal savings deposit interest.<o:p></o:p></span></div>
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<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">It has no lock-in period (until now). These are
withdraw able at any time without any charge and the final amount is credited
the very next day.<o:p></o:p></span></div>
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<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><b>Save and Invest</b> <o:p></o:p></span></div>
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<span style="font-family: "arial" , sans-serif; line-height: 115%;">Savings may seem as low output financial products. However, savings with
combine the tax deduction and you will be pleasantly satisfied by output. When
possible, go for schemes like EPF, PPF in active service life and when you
approach the 40s, invest 40% of total savings actively in ULIPs and ELSS. You
will be amazed by the speed of personal finance improvement.</span></div>
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thehourjobhttp://www.blogger.com/profile/14864308772919653185noreply@blogger.com0tag:blogger.com,1999:blog-1761969221554830936.post-6253537445449708572018-11-18T03:54:00.001-08:002018-11-18T04:14:40.572-08:00"Investing in stocks The complete course" by Steve Ballinger from Udemy - Review<div dir="ltr" style="text-align: left;" trbidi="on">
<div dir="ltr" style="line-height: 1.295; margin-bottom: 8pt; margin-top: 0pt;">
<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">If you are a veteran in stock investing and have been dabbling in stocks, technical charts and indicators for years, this course is not for you. However, if you were trading hearsay without clear-cut fundamental ideas, then I would request you to buy this course. When you are investing lakhs in a course, spending a tad over rupees 700 for a definite purpose and direction and which gives your knowledge on stocks a complete makeover, is perfectly logical and doable.</span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">While reviewing this course what impressed me is the range of topics in investing that it covers. It tries to cover all the aspects the lecturer thinks you should know when dabbling in markets. His effort is honest.</span></span></div>
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<a href="https://4.bp.blogspot.com/-KPzU6CygaAQ/W_FRKzF1TfI/AAAAAAAACRQ/6Du_MXON4kEPPOKmne3w7A6WL1MjRhmgwCLcBGAs/s1600/Investing%2Bin%2Bstocks%2BThe%2Bcomplete%2Bcourse.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt=""Investing in stocks The complete course" by Steve Ballinger from Udemy - Review, investment course, stock market course, online investing course, online share market course review" border="0" data-original-height="720" data-original-width="960" height="480" src="https://4.bp.blogspot.com/-KPzU6CygaAQ/W_FRKzF1TfI/AAAAAAAACRQ/6Du_MXON4kEPPOKmne3w7A6WL1MjRhmgwCLcBGAs/s640/Investing%2Bin%2Bstocks%2BThe%2Bcomplete%2Bcourse.png" title=""Investing in stocks The complete course" by Steve Ballinger from Udemy - Review" width="640" /></a></div>
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<span style="font-family: "georgia" , "times new roman" , serif; font-size: large; white-space: pre-wrap;">Let's surf through the initial chapters. It deals with how to make money from stocks and much you can realistically expect to make from the markets. As you view this chapter you will form a target on when book profits. Without this guidance, you will dither on squaring off, while the price may reverse, leaving you high and dry.</span></div>
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<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><span style="white-space: pre-wrap;"><i><a href="https://click.linksynergy.com/deeplink?id=4qJLd1HeQ0A&mid=39197&murl=https%3A%2F%2Fwww.udemy.com%2Finvesting-in-stocks%2F" target="_blank">"Investing in stocks The complete course" by Steve Ballinger from Udemy</a> - Buy Now</i></span></span></div>
<div dir="ltr" style="line-height: 1.295; margin-bottom: 8pt; margin-top: 0pt;">
<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Another initial chapter is devoted to better conceptualization. When you trade, you will frequently be accused of gambling. Which will make who wonder about who is right. After all, nobody wants his hard-earned money put into a gamble. Do read this chapter to pick stocks for Investing (your reason for entering the capital market) rather than those meant for trading.</span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Stocks should neither form your whole portfolio not they should be left out entirely. A section of the lecture deals with the percentage that stocks should occupy in your total financial assets.</span></span></div>
<div dir="ltr" style="line-height: 1.295; margin-bottom: 8pt; margin-top: 0pt;">
<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">For better results, this tutorial provides a full discussion on sample portfolio allocation. As an investor, this sample portfolio is immensely helpful.</span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">You buy a stock. I hope you are clear about what type of stock it is. If not go through the tutorial on growth, income and value stocks.</span></span></div>
<div dir="ltr" style="line-height: 1.295; margin-bottom: 8pt; margin-top: 0pt;">
<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">You will see countless stocks whose value has decreased by 90%. I hope the stock you take does not suffer the same date. However, it will not happen because you do not want it. Go through this course and learn to analyse the risk on the security you buy. At least you will get to know what amount of fall your assets may suffer.</span></span></div>
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<div dir="ltr" style="line-height: 1.295; margin-bottom: 8pt; margin-top: 0pt;">
<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">A lecture is reserved for explaining beta and standard deviation. Unless you know beta how will rate your stock as trading or investing?</span></span></div>
<div dir="ltr" style="line-height: 1.295; margin-bottom: 8pt; margin-top: 0pt;">
<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Just like the stocks are categorized as per their performance, they also differ on the index and non-index stocks. Index stocks are qualitatively better. There is a chapter on MF and how to evaluate them based on their exit loads, expenses and other parameters. If you are an investor who invests more in mutual funds, go through this part of the course.</span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Unless you have a plan in place regarding what to buy and when, the period of holding, exit plan etc. you are not likely to succeed. Haphazard investing does not warrant success. To help you strategize your investing, this course by stock market investing course, from Steve Ballinger, has a different section “stock market investing strategies”.</span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">In another section (20 lecture in all ! Wow) Ballinger tutors on how to evaluate a stock and how to decipher its financial ratios.</span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">A very important but then overlooked part is paying taxes. This “Investing in stocks This complete course” does not skip it. Towards the end, 20 minutes are devoted to guiding you regarding tax matters </span></span></div>
<div dir="ltr" style="line-height: 1.295; margin-bottom: 8pt; margin-top: 0pt;">
<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Another section of the lecture discusses the brokers. View the lecture because the brokers are changing dynamically. View the guidance especially on the Robo traders. They are the newest kid on the block and come with their own advantage This ranges from automated trading to lower fees because of less manual intervention.</span></span></div>
<div dir="ltr" style="line-height: 1.295; margin-bottom: 8pt; margin-top: 0pt;">
<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Go not forget Technical analysis. All types of patterns like flags, rectangles, troubles head and shoulders are explained. Technical patterns are too important to be missed, so pay careful attention to this chapter.</span></span></div>
<div dir="ltr" style="line-height: 1.295; margin-bottom: 8pt; margin-top: 0pt;">
<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Trends are always your friend, ignore them at your risk. If you track them, to aid you, about half an hour is dedicated to trend lines. </span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">This course is automatically updated. </span></span></div>
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<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><span id="docs-internal-guid-91c94744-7fff-86fa-0398-3fb034da7286"></span></span><br />
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">When you go through the course, you will get infected by the enthusiasm of Steve. It's no surprise that most of the reviews have given him a high five-star rating. The honesty of Steve, in delivering a sterling, 360-degree course in stock investing touched me. It has helped me lift up my standard of trading. If you have been riding more on luck target than fundamentals to propel you in the stock market and wanna change that, I would heartily suggest you try this tutorial series. </span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">To find information about this course click here - </span></span><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><span style="white-space: pre-wrap;">"<a href="https://click.linksynergy.com/deeplink?id=4qJLd1HeQ0A&mid=39197&murl=https%3A%2F%2Fwww.udemy.com%2Finvesting-in-stocks%2F" target="_blank">Investing in stocks The complete course" by Steve Ballinger</a></span></span></div>
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thehourjobhttp://www.blogger.com/profile/14864308772919653185noreply@blogger.com1tag:blogger.com,1999:blog-1761969221554830936.post-55308178392465284112018-11-13T23:23:00.001-08:002018-11-13T23:30:43.787-08:00An entire MBA in 1 course award winning author From Udemy - Review<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">If somebody says that the contents of this course mirror the things taught in MBA, </span><span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; vertical-align: baseline; white-space: pre-wrap;">I</span><span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"> would heartily disagree. It would be preposterous and erroneous. Some may turn a few somersaults in their grave.</span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">This course does not teach or preach but ambles effortlessly in a humorous, effective way full of real-life example., visuals and delightful videos to reinforce the points. Along with adequate examples, practical advice is aplenty because the lecturer is very much part of the startup and venture capital ecosystem.</span></span></div>
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<a href="https://4.bp.blogspot.com/-nQEEomerSV0/W-vKd9O2uaI/AAAAAAAACOk/pjdi2nzum8guj17PsFVp_3WyxvVOomNygCLcBGAs/s1600/An%2Bentire%2BMBA%2Bin%2B1%2Bcourse%2Baward%2Bwinning.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><img alt="online MBA course, best mba course, learn mba online, low cost mba, An entire MBA in 1 course award winning author From Udemy, udemy mba course" border="0" data-original-height="720" data-original-width="960" height="480" src="https://4.bp.blogspot.com/-nQEEomerSV0/W-vKd9O2uaI/AAAAAAAACOk/pjdi2nzum8guj17PsFVp_3WyxvVOomNygCLcBGAs/s640/An%2Bentire%2BMBA%2Bin%2B1%2Bcourse%2Baward%2Bwinning.png" title="An entire MBA in 1 course award winning author From Udemy" width="640" /></span></a></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span></span></div>
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<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">This course is literally is from the horse's mouth. The author behind this tutorial from Udemy has himself worked at famous Goldman Sachs and in different VC firms. He has aided many start-ups and sits on many of their boards. This course is created and designed by Chris </span><span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; vertical-align: baseline; white-space: pre-wrap;">Haraun</span><span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">, who with his years of practical expertise, is the perfect guide to hold your hands in nurturing your start-up.</span></span></div>
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<span style="background-color: transparent; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><a href="https://click.linksynergy.com/deeplink?id=4qJLd1HeQ0A&mid=39197&murl=https%3A%2F%2Fwww.udemy.com%2Fan-entire-mba-in-1-courseaward-winning-business-school-prof%2F" target="_blank"><i>An entire MBA in 1 course award winning author From Udemy - Buy Now</i></a></span></span></div>
<div dir="ltr" style="line-height: 1.295; margin-bottom: 8pt; margin-top: 0pt;">
<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">The free E-book version (downloadable for the whole course) is a unique bonus along with this online tutorial and lets you study the points even when you are offline or do not want to tug your bigger laptops.</span></span></div>
<div dir="ltr" style="line-height: 1.295; margin-bottom: 8pt; margin-top: 0pt;">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">The lecture starts with the concept of creating a small capital, </span><span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; vertical-align: baseline; white-space: pre-wrap;">privately</span><span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"> owned startup. Obviously, to grow, you will need a capital infusion. The pitch of the lecture gets stronger at this point. It discusses in detail how to obtain the capital. It discusses the different rounds of capital infusion. These rounds are called Round a, Round b etc.</span></span></div>
<div dir="ltr" style="line-height: 1.295; margin-bottom: 8pt; margin-top: 0pt;">
<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">It tells us how the venture capitalists fund one venture and keep the rest money for future need by that entity or how it distributes its allocation between different start-ups.</span></span></div>
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<div dir="ltr" style="line-height: 1.295; margin-bottom: 8pt; margin-top: 0pt;">
<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">It's fascinating to view/read the contents as the lecture proceeds .A world of seed investor, then angel investors and ultimately the venture capitalists open up. View the course to get answers to your queries as to and why and when does the VCs fund your dream.</span></span></div>
<div dir="ltr" style="line-height: 1.295; margin-bottom: 8pt; margin-top: 0pt;">
<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">When you know the reasons of a venture capitalist to fund a start-up, you are better prepared with the figures and statements for presentation before the firm. Imagine your advantage when you are prepared with slides, figures, illustrations because this tutorial has already prepared you about what the VCs expect from you. There is a section on why the VCs would put money in your venture and what they expect in return. Compare it with a geek who also needs funding but hasn’t gone through this tutorial. He will come with only his ideas, while you will be prepared for all the queries that the investors may have.</span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Accompanying are countless videos. One video that I have particularly appreciated is on what not to do when asking for fresh funds from an investor. </span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">The tutorial covers practically everything in the field of start-up capital infusion. </span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">It advises you on the tax matters and how not to put your personal assets on the block. The lecturer is an experienced hand in funding and he knows that in case of the firm going belly up, mortgaged personal assets will be auctioned. Therefore, this gem of a guy guides you on how to raise capital without putting your personal assets on the block.</span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Once your company grows big and A, B, C i.e. all rounds of funding have exhausted, you will go public. Then you will have to deal with the world of NCDs, CDs etc. A chapter has been thoughtfully, thoroughly dedicated to Convertible Debt, Warrants and Options for this purpose.</span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">You will need debt, actually, a lot of it to run your increasingly big venture. For this, a section of lecture deals with Interest rates and Yield curves.This section will also help you to add debt when the interest rates are low.</span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Next comes the financial analysis part. You may tend to ask that why should a startup founder need to know financial analysis? Well, as the founder of the start-up, its for your own good. Performance of your company will vary over time. Financial analysis will help you to understand and pinpoint the cash burning black holes in your operation. This course will tutor you on some basic ratios and terms like DCF, valuation of a company, SWOT analysis. It,s not that you are mired in these ratios. Rather the lecturer touches these ratios so that you get the idea and can calculate it on your own, but does not go so deep enough to drown you in theories.</span></span></div>
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<div dir="ltr" style="line-height: 1.295; margin-bottom: 8pt; margin-top: 0pt;">
<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">In case you want to tap the IPO market, you need to know the basics of IPO . Along with the merchant bankers who would run your IPO show, you have to know the calculation behind the issue and the public issue price. If you do not have a clear idea on IPO, the merchant banker may fleece you. The IPO section is hence immensely important, should you want to publicly issue the shares.</span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Many times you read about the BS, IS and CF on a standalone basis on tutorials on financial accounting. While going through the material here, I was pleasantly surprised the way these guy has interlinked the three entities of annual reports. You will get beautiful illustrations making it clear how the different entities of cash flow, balance sheet and income statement relate internally to each other. </span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">As you go to the chapter where the build-up of financial reports of a company is described stepwise, you will emerge much stronger and knowledgeable in the field of investing and certainly fitter than ever before to jump into the world of Venture Capital.</span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Even if you are a regular MBA student, take this course, this will clear your niggling doubts that a regular course may not answer to, and make your MBA knowledge base stronger than before. To find more information about this course see here </span></span><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><span style="white-space: pre-wrap;"><b><a href="https://click.linksynergy.com/deeplink?id=4qJLd1HeQ0A&mid=39197&murl=https%3A%2F%2Fwww.udemy.com%2Fan-entire-mba-in-1-courseaward-winning-business-school-prof%2F" target="_blank">An entire MBA in 1 course award winning author From Udemy</a>.</b></span></span></div>
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thehourjobhttp://www.blogger.com/profile/14864308772919653185noreply@blogger.com0tag:blogger.com,1999:blog-1761969221554830936.post-28421815464786393372018-11-09T03:01:00.002-08:002019-08-15T22:42:08.096-07:00"The Complete Financial Analyst Course 2019" from Udemy<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">This course is not a substitute to any regular financial accounting course. However, if you own a company or want to be a step ahead of the pack for promotion or desire to master the financial part of the company when you have stepped up into a respectable position, this course prove to be invaluable for you.</span></span><br />
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">One thing that strikes out in the tutorials is the stress the author have put on Excel. This tutorial literally covers all quantitative and business oriented functions of excel. This is logical considering that you cannot put a step ahead in financial analysis without the statistical, mathematical, sorting or probabilities functions in excel package.</span></span></div>
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<a href="https://4.bp.blogspot.com/-yvIC1GcfkpY/W-Vn-kCEVcI/AAAAAAAACNk/oYOlTAFmW9UMFT8-waXzXZG9fmYhE9oZACLcBGAs/s1600/The%2BComplete%2BFinancial%2BAnalyst%2BCourse.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt=""The Complete Financial Analyst Course 2018" from Udemy, "The Complete Financial Analyst Course 2019" from Udemy, Online courses financial analyst, finance courses " border="0" data-original-height="720" data-original-width="960" height="480" src="https://4.bp.blogspot.com/-yvIC1GcfkpY/W-Vn-kCEVcI/AAAAAAAACNk/oYOlTAFmW9UMFT8-waXzXZG9fmYhE9oZACLcBGAs/s640/The%2BComplete%2BFinancial%2BAnalyst%2BCourse.png" title=""The Complete Financial Analyst Course " from Udemy" width="640" /></a></div>
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<span style="font-family: "georgia" , "times new roman" , serif; font-size: large; white-space: pre-wrap;">The lecture starts with elementary formatting in the spreadsheet. It teaches you those functions which you normally wouldn’t have noticed but are must when analysis of business data is concerned. It teaches you text to column formatting, wrapping of data, freezing panes etc.</span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">This course provides the operational knowledge of a long list of functions in Excel. Go through the course index to browse all through them. If you can learn to handle even 80% of the function this course provides, you will become a pro in handling the spreadsheet.</span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">The next chapters walk you through the creating, handling and querying the relational databases.</span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Further you are lectured on creating a P&L statement. If you can go to this level, no wonder you will become your company’s/client’s asset and colleague’s envy.</span></span></div>
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<div dir="ltr" style="line-height: 1.3800000000000001; margin-bottom: 10pt; margin-top: 0pt;">
<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Next comes chart handling and pivot table creation. Pivot tables summarize a vast database into concise tables with various extracted items matched. In short through pivot table you are presented that data which is displayed in the form you want. Well by now it seems that I am doing a full time course in Excel, but that’s the beauty of this course. It encompasses all that you need to learn for properly using the business accounting.</span></span></div>
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<span style="background-color: transparent; font-variant-east-asian: normal; font-variant-numeric: normal; vertical-align: baseline; white-space: pre-wrap;"><i><b><a href="https://click.linksynergy.com/deeplink?id=4qJLd1HeQ0A&mid=39197&murl=https%3A%2F%2Fwww.udemy.com%2Fthe-complete-financial-analyst-course%2F" target="_blank"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">"The Complete Financial Analyst Course 2018" from Udemy - BUY NOW</span></a></b></i></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">The tempo now changes and shifts to Accounting and Bookkeeping.</span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">After a brief info, the basic tenants like assets, liabilities, expenses and equity are explained lucidly. If you are incumbent in this field, you can brush them up. If you are a newbie in the analysis, then it’s the best opportunity to learn them.</span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Examples are provided after each term to make your understanding easier and clearer.</span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Real life like examples mean you relate to these terms better and remember longer.</span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Practical case studies follow at the end of each chapter. This aids in better comprehension of the related financial reports.</span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Its noteworthy that a multitude of financial and logical excel functions are taught in this tutorial including the If analysis.</span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">These lectures are followed by even more important query “How and When to recognize revenues and expenses. “ Pay careful attention to this chapter because a lot of hoodwinking goes in this section of accounting. Also, erratic Revenue or Expense booking by you or your employee means falsification of financial reports.</span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">To make things comprehensible, case study for creation of income statement follows.</span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Being in the financial field you probably know the “cash flow analysis”. In this course, the cash flow is presented in a manner that you can create cash flows by yourself after viewing the chapter. The lecture stresses on whether you or your competitor is generating or burning cash. The result of this query has the opposite effect on you and your competitor’s business.</span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Trade receivables and Payables, inventory, assets, liabilities all are explained not to define but to be actively used. </span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Learn to analyze financial statements using aids like Days Payable, Days inventory and Days receivable. As you know, understanding the above are must while estimating the ongoing status of your business. After all there’s no use piling on the inventory if it does not turn into cash. The factors like Days inventory, Days receivable and Days inventory will alert you on the trend of inventory conversion to cash. So, this lesson is extremely important. Like me you will also love the way these metrics are explained in this course.</span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">To sum it up, at rupees 1,280 this “complete financial analyst course 2018” covers phenomenal area extending right from functions of excel for generating report to important ratios of financial reporting.</span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">If you are capable of digesting this huge knowledge flow of excel functions and financial analysis, go for this course. It will provide overwhelming knowledge, much more than you had bargained for. The price is truly astounding and makes this offer irresistible. </span></span></div>
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><span id="docs-internal-guid-1c50e10f-7fff-9586-319a-20d3aa97d0c5"></span></span><br />
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Come, join this course and shine in the financial analysis domain. Click on <a href="https://click.linksynergy.com/deeplink?id=4qJLd1HeQ0A&mid=39197&murl=https%3A%2F%2Fwww.udemy.com%2Fthe-complete-financial-analyst-course%2F" target="_blank"><b>BUY NOW</b></a> to know more</span></span></div>
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thehourjobhttp://www.blogger.com/profile/14864308772919653185noreply@blogger.com0tag:blogger.com,1999:blog-1761969221554830936.post-68795072640037899762018-11-03T00:41:00.003-07:002018-11-03T00:48:34.013-07:00What is Initial Public Offer, IPO? And should you invest in an IPO?<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 700; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Basically, what is IPO ?</span></span></h3>
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<div dir="ltr" style="line-height: 1.3800000000000001; margin-bottom: 10pt; margin-top: 0pt;">
<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">IPO (Initial Public Offerings ) means offering shares of a private company to the public for the first time. By this route, the company becomes a public limited company with a plethora of QIP (Qualified institutional Partners), Angel investors, Anchors, HNIs (High Networth Individuals), NBFCs and public shareholders.</span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 700; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">But why do the companies go for IPO knowing that their business has to be bared before every investor ? Why IPO !</span></span></h3>
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<tr><td style="text-align: center;"><a href="https://1.bp.blogspot.com/-IFJypWOkvIs/W91PbpPSqeI/AAAAAAAACMY/bAENtWN5BTYv5ZOcdj9noC72m5A3diibgCLcBGAs/s1600/Initial_public_offering_ipo_bank_1280x720-770x433.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><img alt="How will I apply for an IPO, What is Initial Public Offer, IPO ? And should you invest in an IPO ? Initial Public offer, What is Initial Public Offer, IPO, should you invest in an IPO" border="0" data-original-height="433" data-original-width="770" height="359" src="https://1.bp.blogspot.com/-IFJypWOkvIs/W91PbpPSqeI/AAAAAAAACMY/bAENtWN5BTYv5ZOcdj9noC72m5A3diibgCLcBGAs/s640/Initial_public_offering_ipo_bank_1280x720-770x433.jpg" title="What is Initial Public Offer, IPO ? And should you invest in an IPO ?" width="640" /></span></a></td></tr>
<tr><td class="tr-caption" style="text-align: left;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Image Credit - moneycontrol.com</span></td></tr>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 700; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span></span></div>
<div dir="ltr" style="line-height: 1.3800000000000001; margin-bottom: 10pt; margin-top: 0pt;">
<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">You know that any company has to expand for survival. It has to invest in new technologies to remain relevant and afloat. Those days are long gone when Ambassador Mark IV differed from Ambassador Mark III only by some cosmetic changes.</span></span></div>
<div dir="ltr" style="line-height: 1.3800000000000001; margin-bottom: 10pt; margin-top: 0pt;">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">It has to expand in capacity. In this regard note how Interglobe Aviation (Indigo for aam </span><span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: underline; vertical-align: baseline; white-space: pre-wrap;">admi</span><span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">) is edging out Spice jet and Jet Airways from the Tier III cities and new Northeast routes owing to its greater fleet size and newer models.</span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Large corporations invest in a greenfield project. Investing in greenfield projects needs hundreds of crores of capital and it's not easy to find finance for such big projects.</span></span></div>
<div dir="ltr" style="line-height: 1.3800000000000001; margin-bottom: 10pt; margin-top: 0pt;">
<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Even when the large corporations find the financer like Softbank or Bank of China or Bank of Japan, sometimes the rates are too high making the break-even difficult.</span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Long-term loans with lower interest (say for ten years) may not be always available for a project whereas the gestation period for the project to start operation and generate cash flow may be lengthy. For such long gestation period projects, short or medium loans may not be feasible.</span></span></div>
<div dir="ltr" style="line-height: 1.3800000000000001; margin-bottom: 10pt; margin-top: 0pt;">
<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Lo and Behold ! Here comes the IPO to their rescue.</span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">IPO is the easy way out to distribute fractions of partnerships in lieu of shareholders money. In IPO, companies allot shares at a price which is way above the face value, and investors lap up those shares by paying the Premium above the face value. This money goes as the shareholder's fund into the company's balance sheet. In return, the investor gets a part of profit (as a dividend) or profit as capital appreciation in those share's price.</span></span></div>
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<h3 style="line-height: 1.38; margin-bottom: 10pt; margin-top: 0pt; text-align: left;">
<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 700; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">A brief on the process of IPO :</span></span></h3>
<div dir="ltr" style="line-height: 1.3800000000000001; margin-bottom: 10pt; margin-top: 0pt;">
<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">For an IPO the company sends "Letter of Approval ", prospectus of the company, as request for approval of the IPO by the exchanges and SEBI. Each exchange has a team of experts who scan the prospectus of the company. They decide whether the company can qualify for the IPO. They examine the background of promoters, financial condition of the enterprise over the last three years etc. If the exchange approves it, the enterprise can only then use the name of that exchange as listing place in the prospectus. The prospectus itself has to be also modified as per directions of the exchange before its placed before QIPs, HNIs and the general public, </span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Once the company gets the approval , it starts the "bookbinding process". It engages financial institutes like Morgan Stanley, Goldman Sachs, JPMorgan Chase, JM Financial, Kotak Mahindra Bank and other merchant bankers to manage it's IPO.</span></span></div>
<div dir="ltr" style="line-height: 1.3800000000000001; margin-bottom: 10pt; margin-top: 0pt;">
<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">In the "book binding" method, the company issues a price band with a lower floor price and an upper ceiling. The merchant bankers try to enthuse the investors from various fields to invest in this book building process. For this, it conducts road shows, places advertisements in all types of media as per SEBI guidelines and prints brochures. During the bookbinding process, the merchant bankers entice the QIPs,Anchor Angel investors and HNIs to place bids within the issuing price range.They bid in different price ranges as per their understanding of the company. But this price has to be within the price band offered by the firm. Volume is the main point here. The price which attracts the maximum bid (volume wise) becomes the issue or cut off price. HNIs, QIPs who bid below the cut off price are returned their bid amount, so are those who bid at the higher end of the band. The merchant bankers who arrange the "syndicate" of private investors to bid during the book building process are called "book runner".</span></span></div>
<div dir="ltr" style="line-height: 1.3800000000000001; margin-bottom: 10pt; margin-top: 0pt;">
<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Once book building is completed, the price which is nearest to the highest bid volume is chosen as the issue price. This is the price at which the normal investors have to bid for this IPO. </span></span></div>
<div dir="ltr" style="line-height: 1.3800000000000001; margin-bottom: 10pt; margin-top: 0pt;">
<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">The bids for the IPO are frequently oversubscribed. This means that there are more numbers of bidders than the total issue. This manifests in two forms. You will be allowed lesser number of shares than you applied for and the opening price on the debut of these in secondary market is likely to be way above the issue price. In other words,, if you are allocated shares in the IPO, you are likely to make a neat profit on the debut, f you sell them at the beginning.</span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">But beware of two facts. The first is that after the initial euphoria, many debutant IPO stocks have slid in the second session or towards the late afternoon. The second fact is that no company can meet up the expectations or the promises it made throughout its lifetime and it will come down at some point in time. No business is immune to adverse events. So, if you are not investors who keep the shares for decades in his demat e locker, sell it when it re Now comes the question that whether aches lofty valuations.</span></span></div>
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<h3 style="line-height: 1.38; margin-bottom: 10pt; margin-top: 0pt; text-align: left;">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 700; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Should you invest in an IPO</span><span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"> ?</span></span></h3>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">You should invest in the IPO only when the quality of the incumbent is good. </span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Remember, by selling the shares, the company gets interest free non-returnable capital. In return, you get a part of the net profit in form of capital appreciation or dividends. But you can only get these when the company is capable of making profits . So, before subscribing the IPO, take a 360-degree view of the company's business.</span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Bury yourself in the prospectus of the company into which you will be investing your thousands and lakhs.</span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Check the order book, quality of orders and the sectors who give the maximum orders.</span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Are these sectors likely to feel stress in future? In such a case the orders may turn out to be albatross around the neck and become non-paying instead of money spinners.</span></span></div>
<div dir="ltr" style="line-height: 1.3800000000000001; margin-bottom: 10pt; margin-top: 0pt;">
<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Look at the addition of new customers in a couple of preceding years. The business you are applying for should grow with time. The revenue should increase with each passing year and so should the net profit. </span></span></div>
<div dir="ltr" style="line-height: 1.3800000000000001; margin-bottom: 10pt; margin-top: 0pt;">
<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">The rate of revenue increase cannot remain constant and high all the time. But it should be 75% profit and 25% net loss for the preceding years.</span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Are the products offered by the company a monopoly in it's field?. And more dangerously, is it commanding a hefty premium on valuation for this fact? </span></span></div>
<div dir="ltr" style="line-height: 1.3800000000000001; margin-bottom: 10pt; margin-top: 0pt;">
<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Then stay away if the premium is too much. I reiterate this because monopoly doesn't remain forever. When the monopoly ends, the fall is severe and you would most likely get the stock at much lower rates below the issue price. Take airtel for instance. It commanded a premium for its coverage and true 3G speeds. </span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Jio came and disrupted the whole business model of Airtel. The premium it commanded eroded rapidly. Now, Airtel has to consolidate its African operation with the Indian ones to airbrush the results.</span></span></div>
<div dir="ltr" style="line-height: 1.3800000000000001; margin-bottom: 10pt; margin-top: 0pt;">
<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">If the company has too many subsidiaries, stay away. More the subsidiaries, more opaque will be the operation of the conglomerate. You would n't get a whiff of money when a hundred crore of shareholder's capital gets transferred as an interest-free long-term loan to its loss-making subsidiary. See what happened with 8K miles. When such a news surfaced, a thousand rupees share dropped to rupees fifty. </span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">As its impossible for you (retail investor) to understand the financial parameters stated in the prospectus of the IPO, consult a qualified accounting professional to point out the hits and misses based on the IPO proposing manual.</span></span></div>
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<h3 style="line-height: 1.38; margin-bottom: 10pt; margin-top: 0pt; text-align: left;">
<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 700; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">How will I apply for an IPO ?</span></span></h3>
<div dir="ltr" style="line-height: 1.3800000000000001; margin-bottom: 10pt; margin-top: 0pt;">
<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">To participate in an IPO, PAN card and demat account is a must. As a retail investor, you can apply for a maximum share lot worth 2 lakhs. There will be a minimum bid size known as one lot . You can bid for one lot or higher in multiples of that IPO market lot.</span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">You have to apply via your broker or by ASBA. In ASBA, login in your bank account, you will have an ASBA section, where you will have the convenience of applying for the IPO. If you apply online from here, that amount of money in your savings account will remain blocked in an escrow account in the bank itself.It will get deducted automatically for the number of shares allotted in that IPO. So, there's no need for money transfer to the merchant banker or IPO agent and again returning that in case of non-allotment .</span></span></div>
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<span style="font-family: "georgia" , "times new roman" , serif; font-size: medium;"><span id="docs-internal-guid-5d3e8eda-7fff-80c9-a777-f844e7b9b535" style="font-size: large;"></span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">There have been a lot of successful IPOs and lot of unsuccessful ones like Reliance Power in 2008. Do not go only by the rosy future picture painted by the company, but look at its present and preceding financial conditions, promoters track records, proposed business models etc. to understand the quality of conglomerate you will invest in.</span></span></div>
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thehourjobhttp://www.blogger.com/profile/14864308772919653185noreply@blogger.com0tag:blogger.com,1999:blog-1761969221554830936.post-86090668194993382212018-10-21T22:01:00.003-07:002019-10-21T05:03:24.299-07:005 Best Philips Beard Trimmers for Men available on Amazon India<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 700; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">An Insight into Best Beard Trimmer for Men </span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">A decent eyesight and willingness to shave your face isn’t even to get that perfect look. Things can actually turn out to be very challenging if you don’t have the right kind of trimmer. The tool should be long lasting, with sharp blades, a lithium-ion battery and most important it shouldn’t get clogged with shaven hairs. </span></span></div>
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<tr><td style="text-align: center;"><a href="https://3.bp.blogspot.com/-IrnEG7ZaXrk/W81VPrB8B6I/AAAAAAAACIY/2dTaygFq0VgI8PS4lvCg21Ll_f9CZblWACLcBGAs/s1600/braun-beard-trimmer-2016-04-1200x762_c.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><span style="font-family: "georgia" , "times new roman" , serif;"><img alt="Philips Beard Trimmers review, Best Philips Beard Trimmers for Men on Amazon India, Best Philips Beard Trimmers online, " border="0" data-original-height="762" data-original-width="1200" height="404" src="https://3.bp.blogspot.com/-IrnEG7ZaXrk/W81VPrB8B6I/AAAAAAAACIY/2dTaygFq0VgI8PS4lvCg21Ll_f9CZblWACLcBGAs/s640/braun-beard-trimmer-2016-04-1200x762_c.jpg" title="5 Best Philips Beard Trimmers for Men available on Amazon India" width="640" /></span></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span style="font-family: "georgia" , "times new roman" , serif;">Image Credit - thestylester.com</span></td></tr>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">You need not test dozens of trimmers to find that one perfect brand for your needs. We have come up with genuine reviews of top 5 Beard Trimmer for Men available on Amazon India. Read on to know about each one in detail. </span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 700; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">1. <a href="https://amzn.to/35rcHuM" target="_blank">Philips Beard Trimmer Cordless for Men QT4001/15 (With Adapter)</a> </span></span></h3>
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<span style="font-family: "georgia" , "times new roman" , serif; font-size: large; white-space: pre-wrap;">Philips Beard Trimmer Cordless for Men QT4001/15 is an ideal choice for the ones looking for a grooming tool that can potentially deliver long-lasting and skin friendly performance. It comes with DuraPower technology. 10 hours of charging gives it 45 minutes of cordless power, which is not really bad. The product also features self-sharpening steel blades, offering the benefit of protective and perfect trim to the users. </span></div>
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<tr><td style="text-align: center;"><span style="font-family: "georgia" , "times new roman" , serif; margin-left: auto; margin-right: auto;"><a href="https://amzn.to/35rcHuM" target="_blank"><img border="0" data-original-height="1500" data-original-width="1200" height="320" src="https://4.bp.blogspot.com/-IDNS1iYFXPg/W81LsiaS2-I/AAAAAAAACHg/1_SFvdZDcucWGDkejNn5CABHSML1l6u8gCLcBGAs/s320/61XNa2865lL._SL1500_.jpg" width="256" /></a></span></td></tr>
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<b><span style="color: #990000; font-family: "georgia" , "times new roman" , serif; font-size: large;"><a href="https://amzn.to/35rcHuM" target="_blank">Buy Now</a></span></b></div>
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<span style="background-color: transparent; color: black; font-family: "georgia" , "times new roman" , serif; font-size: 12pt; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre;"><br /></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 700; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Pros</span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">• The product comes with a 2-year guarantee </span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">• Users can get trimmed look for 1mm or 10 mm by simply turning its wheels to lock-in the desired length settings </span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">• The product comes with a detachable head, which makes it easier to clean.</span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">• Its rounded blade tips give a neat and finished cut to the hairs while preventing irritation.</span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 700; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Cons</span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">• It requires 8 Hours of uninterrupted charge before use. </span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">• This product doesn’t supports direct plug and use feature. </span></span></div>
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<span style="font-family: "georgia" , "times new roman" , serif;"><b id="docs-internal-guid-d0164a74-7fff-89b5-c726-6ec003222cdb" style="font-weight: normal;"><br /></b>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 700; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">2. <a href="https://amzn.to/2Mut15j" target="_blank">Philips MG7715/15 13-in -1 Face, Hair and Body Multigroomer Trimmer (Gray)</a></span></span></h3>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">What if you have 13-in-1 Premium Trimmer? Amazing, isn’t it? Philips MG7715/15 13-in -1 Face Multigroomer Trimmer will give you the treat of ultimate versatility. This product empowers the users to craft their unique style for their whole body. Its DualCut blades and no-slip rubber grip enhances the overall worth of the product while allowing the users to enjoy maximum precision. You just need to charge it for an hour to facilitate yourself with 120 minutes of cordless use. </span></span></div>
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<tr><td style="text-align: center;"><span style="font-family: "georgia" , "times new roman" , serif; margin-left: auto; margin-right: auto;"><a href="https://amzn.to/2Mut15j" target="_blank"><img border="0" data-original-height="1500" data-original-width="1500" height="320" src="https://3.bp.blogspot.com/-a-AVPJPdv04/W81MryNKm3I/AAAAAAAACHs/kjRKHrEixJUlIDxucOo2m2RIUwcOI-eTQCLcBGAs/s320/81zHpunY%252B6L._SL1500_.jpg" width="320" /></a></span></td></tr>
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<span style="color: #cc0000; font-family: "georgia" , "times new roman" , serif; font-size: large;"><b><a href="https://amzn.to/2Mut15j" target="_blank">Buy Now</a></b></span></div>
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<span style="background-color: transparent; color: black; font-family: "georgia" , "times new roman" , serif; font-size: 12pt; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre;"><br /></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 700; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Pros </span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">• It comes with 13 tools to style your body from top to toe </span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">• Showerproof and easy cleaning</span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">• The product comes with 1 adjustable beard comb (3-7 mm), 2 Stubble combs (1,2 mm), 2 body combs (3,5 mm) and 3 hair combs (9,12,16 mm). </span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">• It is inclusive of high-performance Lithium-Ion battery. </span></span></div>
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<span style="font-family: "georgia" , "times new roman" , serif;"><b style="font-weight: normal;"><span style="font-size: large;"><br /></span></b>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 700; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Cons </span></span><br />
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><span style="color: black; font-weight: 700; vertical-align: baseline; white-space: pre-wrap;"><br /></span></span>
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<li><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><span style="color: black; vertical-align: baseline; white-space: pre-wrap;">Trimming is a little painful with this Philips product. </span></span><span style="font-family: "georgia" , "times new roman" , serif; font-size: large; white-space: pre-wrap;">However, its blades are skin friendly. </span></li>
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<span style="font-family: "georgia" , "times new roman" , serif;"><b style="font-weight: normal;"><br /></b>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 700; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">3. <a href="https://amzn.to/2AYAy77" target="_blank">Philips DuraPower Beard Trimmer BT3221/15 - Corded & Cordless, Titanium Blades</a> </span></span></h3>
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<div dir="ltr" style="line-height: 1.2; margin-bottom: 10pt; margin-top: 0pt; text-align: justify;">
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">This Philips grooming tool can easily capture low lying hair, giving even trimming, efficient results to the users. From long beard to short beard look, you can achieve the various look with its innovative Trim and Lift system. It lasts 6 x longer and cuts 25-30 per cent faster in comparison to the ordinary trimmers. </span></span></div>
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<table cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><span style="font-family: "georgia" , "times new roman" , serif; margin-left: auto; margin-right: auto;"><a href="https://amzn.to/2AYAy77" target="_blank"><img border="0" data-original-height="1500" data-original-width="1500" height="320" src="https://3.bp.blogspot.com/-n8y1B-d6QX0/W81QaixjLMI/AAAAAAAACH4/vjHKz5WDAa8SxPMArlQ-YQiyl5LnvbQkgCLcBGAs/s320/81KLSQYTY4L._SL1500_.jpg" width="320" /></a></span></td></tr>
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<span style="color: #990000; font-family: "georgia" , "times new roman" , serif; font-size: large;"><b><a href="https://amzn.to/2AYAy77" target="_blank">Buy Now</a></b></span></div>
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<span style="background-color: transparent; color: black; font-family: "georgia" , "times new roman" , serif; font-size: 12pt; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre;"><br /></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 700; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Pros </span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">• The rounded tips and combs of this prevent skin irritation and offer gentle trimming. </span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">• It needs just 60 minutes of charging to run up to 90 minutes </span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">• The product has 20 lock-in length settings, with 0.5 - 10mm precision </span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">• It features a light indicator to let the users know the battery status- charging, full, low, empty. </span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">• This Philips trimmer features Ergonomic Design and detachable head for easy cleaning. </span></span></div>
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<span style="font-family: "georgia" , "times new roman" , serif;"><b style="font-weight: normal;"><span style="font-size: large;"><br /></span></b>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 700; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Cons </span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">• The trimmer is a little noisy comparatively. </span></span></div>
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">• It is pricey in comparison to other trimmers. Overall, it’s worth the value. </span></span><br />
<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span></span>
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<tr><td style="text-align: center;"><span style="margin-left: auto; margin-right: auto;"><a href="https://www.amazon.in/gp/browse.html?node=3150028031&ref_=nav_em_T1_0_4_NaN_6_sbc_bhg_pca&_encoding=UTF8&tag=thj-21&linkCode=ur2&linkId=23b490b6dc65c9b3b5827510daeb243b&camp=3638&creative=24630" target="_blank"><img border="0" data-original-height="1013" data-original-width="1079" height="300" src="https://2.bp.blogspot.com/-rHdVRD4BruY/W9VlhnqDFtI/AAAAAAAACKE/Gqh4K_eTOGg8IQNO6drJajR_xn2N1XyVgCEwYBhgL/s320/39940888_221145192093588_5392451037787324416_n.jpg" width="320" /></a></span></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span style="font-size: small;"><a href="https://www.amazon.in/gp/browse.html?node=3150028031&ref_=nav_em_T1_0_4_NaN_6_sbc_bhg_pca&_encoding=UTF8&tag=thj-21&linkCode=ur2&linkId=23b490b6dc65c9b3b5827510daeb243b&camp=3638&creative=24630" target="_blank">Personal Care Grooming Store</a></span></td></tr>
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<span style="font-family: "georgia" , "times new roman" , serif; font-size: large; font-weight: 700; white-space: pre-wrap;">4. </span><a href="https://amzn.to/2M8qqiy" style="font-family: georgia, "times new roman", serif; font-size: x-large; font-weight: 700; white-space: pre-wrap;" target="_blank">Philips Beard Trimmer Cordless and Corded for Men QT4011/15 </a><br />
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<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Featuring the combination of advanced technology and Ergonomic Design this Philips product delivers even beard trimming time after time. It lasts 4 x longer than the ordinary trimmers. Plus, it comes with self-sharpening blades that stay sharp and long-lasting even after continuous use over a long period. The rounded tips of the trimmer’s titanium blades save the user’s skin from irritation.</span></span></div>
</div>
<table cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><span style="font-family: "georgia" , "times new roman" , serif; margin-left: auto; margin-right: auto;"><a href="https://amzn.to/2M8qqiy" target="_blank"><img border="0" data-original-height="1500" data-original-width="844" height="320" src="https://4.bp.blogspot.com/-cg6X1oe-_vE/W81RD1cmBpI/AAAAAAAACIA/dDCEtUWC5aQX78JNMumSMag0y1mIz56zQCLcBGAs/s320/61oosK63kOL._SL1500_.jpg" width="180" /></a></span></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><div style="text-align: center;">
<b><span style="color: #990000; font-family: "georgia" , "times new roman" , serif; font-size: large;"><a href="https://amzn.to/2M8qqiy" target="_blank">Buy Now</a></span></b></div>
</td></tr>
</tbody></table>
<div dir="ltr" style="line-height: 1.2; margin-bottom: 10pt; margin-top: 0pt; text-align: justify;">
<div style="text-align: left;">
<span style="background-color: transparent; color: black; font-family: "georgia" , "times new roman" , serif; font-size: 12pt; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre;"><br /></span></div>
</div>
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large; font-weight: 700; white-space: pre-wrap;">Pros </span><br />
<div dir="ltr" style="line-height: 1.2; margin-bottom: 10pt; margin-top: 0pt; text-align: justify;">
<div style="text-align: left;">
<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">• It comes with DuraPower technology, which allows the product to deliver long-lasting performance </span></span></div>
</div>
<div dir="ltr" style="line-height: 1.2; margin-bottom: 10pt; margin-top: 0pt; text-align: justify;">
<div style="text-align: left;">
<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">• An hour of charging gives 90 minutes of cordless power use</span></span></div>
</div>
<div dir="ltr" style="line-height: 1.2; margin-bottom: 10pt; margin-top: 0pt; text-align: justify;">
<div style="text-align: left;">
<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">• The trimmer features 27 lock-in length settings </span></span></div>
</div>
<div dir="ltr" style="line-height: 1.2; margin-bottom: 10pt; margin-top: 0pt; text-align: justify;">
<div style="text-align: left;">
<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">• The storage and travel pouch of this trimmer makes it easily portable</span></span></div>
</div>
<span style="font-family: "georgia" , "times new roman" , serif;"><b style="font-weight: normal;"><span style="font-size: large;"><br /></span></b>
</span><br />
<div dir="ltr" style="line-height: 1.2; margin-bottom: 10pt; margin-top: 0pt; text-align: justify;">
<div style="text-align: left;">
<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 700; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Cons </span></span></div>
</div>
<div dir="ltr" style="line-height: 1.2; margin-bottom: 10pt; margin-top: 0pt; text-align: justify;">
<div style="text-align: left;">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 700; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">• </span><span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">A little overpriced in comparison to other trimmers </span></span></div>
</div>
<div dir="ltr" style="line-height: 1.2; margin-bottom: 10pt; margin-top: 0pt; text-align: justify;">
<div style="text-align: left;">
<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">• Vibration during the use might irritate some users </span></span></div>
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<span style="font-family: "georgia" , "times new roman" , serif;"><b style="font-weight: normal;"><br /></b>
</span><br />
<div dir="ltr" style="line-height: 1.2; margin-bottom: 10pt; margin-top: 0pt; text-align: justify;">
<div style="text-align: left;">
<h3 style="text-align: left;">
<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 700; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">5. <a href="https://amzn.to/35sIfjG" target="_blank">Philips Beard Trimmer Corded & Cordless for Men BT3211/15 - 60 minutes run time. </a> </span></span></h3>
</div>
</div>
<div dir="ltr" style="line-height: 1.2; margin-bottom: 10pt; margin-top: 0pt; text-align: justify;">
<div style="text-align: left;">
<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">With 4 times longer durability, rounded combs and blade tips, and DuraPower technology this Philips beard trimmer is an ideal buy for the ones who desire nothing less than the best. The product needs 10 hours of charging to deliver 45 minutes of cordless use. It comes with a detachable head for easy cleaning. This beard trimmer comes with charging indicator, Ergonomic design and self-sharpening steel blades. </span></span></div>
</div>
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><span style="margin-left: auto; margin-right: auto;"><a href="https://amzn.to/35sIfjG" target="_blank"><img border="0" data-original-height="1000" data-original-width="1000" height="320" src="https://1.bp.blogspot.com/-os1toEUKgm4/XaCIFlNxtrI/AAAAAAAADP0/5QDzyC7crrwbNVULvW53uAGAbbKdGBMGACEwYBhgL/s320/61KWqV7LL8L._SL1000_.jpg" width="320" /></a></span></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><b><u><span style="font-size: large;"><a href="https://amzn.to/35sIfjG" target="_blank">Buy Now</a></span></u></b></td></tr>
</tbody></table>
<span style="background-color: transparent; color: black; font-family: "georgia" , "times new roman" , serif; font-size: 12pt; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre;"><br /></span></div>
</div>
<div dir="ltr" style="line-height: 1.2; margin-bottom: 10pt; margin-top: 0pt; text-align: justify;">
<div style="text-align: left;">
<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 700; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Pros </span></span></div>
</div>
<div dir="ltr" style="line-height: 1.2; margin-bottom: 10pt; margin-top: 0pt; text-align: justify;">
<div style="text-align: left;">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 700; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">• </span><span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Users can facilitate themselves with 20 different length settings of this product’s zoom wheel. </span></span></div>
</div>
<div dir="ltr" style="line-height: 1.2; margin-bottom: 10pt; margin-top: 0pt; text-align: justify;">
<div style="text-align: left;">
<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">• The charging indicator shows the charging status for ease of the users and has run time of 60 minutes of cordless use after full charge.</span></span></div>
</div>
<div dir="ltr" style="line-height: 1.2; margin-bottom: 10pt; margin-top: 0pt; text-align: justify;">
<div style="text-align: left;">
<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">• The self-sharpening products stay sharp even after prolonged use. </span></span><br />
<br /></div>
</div>
<div dir="ltr" style="line-height: 1.2; margin-bottom: 10pt; margin-top: 0pt; text-align: justify;">
<div style="text-align: left;">
<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 700; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Cons </span></span></div>
</div>
<span style="font-family: "georgia" , "times new roman" , serif;"><br /></span>
<br />
<div dir="ltr" style="line-height: 1.2; margin-bottom: 10pt; margin-top: 0pt; text-align: justify;">
<div style="text-align: left;">
<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">• Charging time is 10 hours. </span></span><br />
<span style="background-color: transparent; color: black; font-style: normal; font-variant: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span></span>
<span style="background-color: transparent; color: black; font-variant: normal; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><b><u>Conclusion</u></b></span></span><br />
<br />
<span style="font-size: large;">There are so many trimmers of different brands including Philips available online. And selecting one that suits your needs and budget is somewhat difficult task. So the above trimmers are selected for you by doing research based on user reviews, price, with maximum pros & minimum cons and availability on a trusted and popular e-commerce website Amazon India. </span></div>
</div>
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thehourjobhttp://www.blogger.com/profile/14864308772919653185noreply@blogger.com0tag:blogger.com,1999:blog-1761969221554830936.post-68548798463155100822018-10-20T00:21:00.000-07:002018-10-27T21:25:17.271-07:00Why price of Petrol-Diesel-Natural Gas fluctuates so much?<div dir="ltr" style="text-align: left;" trbidi="on">
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<div class="MsoNormal">
<span style="mso-ansi-language: EN-US;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Crude oil is fondly
called the liquid gold. However this gold does not bring smile and sparkle,
rather makes nations cry too often.<o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">The problem with crude
is that it fluctuates too often , sometimes with a <span style="mso-no-proof: yes;">minimum</span> amount of rationale. Countries like Saudi Arabia, and now
Russia tug at the production of crude at random, creating volatility as per
their convenience. Do you know crude is one of the most speculated <span style="mso-no-proof: yes;">commodities?</span></span></span></div>
<a name='more'></a><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><o:p></o:p></span><br />
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><span style="mso-no-proof: yes;"><br /></span></span></span></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://3.bp.blogspot.com/-NX8K-ConhoA/W8rWpw6dOiI/AAAAAAAACG4/01_oiF3jeGUrrbtFuPh6RE6ACQ6__lITgCLcBGAs/s1600/car-refill-transportation-transport.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Why price of Petrol-Diesel-Natural Gas fluctuates so much, Why price of Petrol-Diesel-Natural Gas changes, Why price of Petrol-Diesel-Natural Gas fluctuates increase and decrease " border="0" data-original-height="426" data-original-width="640" src="https://3.bp.blogspot.com/-NX8K-ConhoA/W8rWpw6dOiI/AAAAAAAACG4/01_oiF3jeGUrrbtFuPh6RE6ACQ6__lITgCLcBGAs/s1600/car-refill-transportation-transport.jpg" title="Why price of Petrol-Diesel-Natural Gas fluctuates so much" /></a></div>
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<span style="mso-ansi-language: EN-US;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><span style="mso-no-proof: yes;"><br /></span></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><span style="mso-no-proof: yes;"><br /></span></span></span></div>
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</div>
<div class="MsoNormal">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Let
us go through the reasons why the price of crude dances and makes even the
mightiest of the nations dance within its tune?</span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span></span></div>
<div class="MsoNormal">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><span style="mso-ansi-language: EN-US; mso-no-proof: yes;">Let's</span><span style="mso-ansi-language: EN-US;"> take Russia. <span style="mso-no-proof: yes;">Russia</span>
has one of the largest <span style="mso-no-proof: yes;">reserves</span> of crude
in the world. <span style="mso-no-proof: yes;">It's</span> National Oil
companies, Gazprom and Rosneft are<span style="mso-spacerun: yes;">
</span>leaders in natural gas and crude exploration, <span style="mso-spacerun: yes;"> </span>production, <span style="mso-no-proof: yes;">transportation</span>.
<span style="mso-no-proof: yes;">However</span>, multinationals like Shell, Total
cannot independently produce oil or go for <span style="mso-no-proof: yes;">explorations
here, </span><span style="mso-spacerun: yes;"> </span>but have to form joint
ventures with these Russian giants. The Russian oil companies are tightly
controlled by people close to <span style="mso-no-proof: yes;">Kremlin-like</span>
Igor Sechin. Sudden changes in regulations and excessive taxing of the oil
companies is the reason why the<span style="mso-spacerun: yes;">
</span>multinationals have been wary of capital and infrastructure spending in <span style="mso-no-proof: yes;">oil</span> and gas <span style="mso-no-proof: yes;">sectors</span>
of Russia. The net result is a max output of about 11 mbd of crude oil which is
reduced or increased at the <span style="mso-no-proof: yes;">whim</span> of
Kremlin. This creates an willful instability of crude price in the international market by Russia.<o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">This nation controls
the huge natural gas market too, and not always at friendly terms. A <span style="mso-no-proof: yes;">few erstwhile Soviet Union countries had been
supplying natural gas to European countries, but with the introduction of the
Nord Stream pipeline, that business has been taken over by Russia. The problem
for European countries is that it's impossible for them to live without LNG and
Natural gas, and fossil fuel like coal is impossible to be used again.<o:p></o:p></span></span></span></div>
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<div class="MsoNormal">
<span style="mso-ansi-language: EN-US;"><span style="mso-no-proof: yes;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">But, Russia is <span style="mso-no-proof: yes;">the strongest</span> contender of military might and
it will have no qualms in throttling the gas supply to European countries, whether
that be EU giants like Germany or less <span style="mso-no-proof: yes;">mighty</span>
ones like Bulgaria, in <span style="mso-no-proof: yes;">case the</span> western
world tries to sanction it for its misadventures.<o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">This <span style="mso-no-proof: yes;">fact</span> alone makes the natural gas market
turbulent and dance to any perceived slight disturbance in the <span style="mso-no-proof: yes;">geopolitical</span> environment.<o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Other middle east
nations like <span style="mso-no-proof: yes;">Qatar</span>, Iraq are also large
producers and exporters of natural gas, but they are also participant and
sufferers of <span style="mso-no-proof: yes;">geopolitical</span> <span style="mso-no-proof: yes;">disturbances in middle East, </span>Africa.They
support groups that damage gas transportation pipelines and storage facilities.
These disturbances add volatility in the <span style="mso-no-proof: yes;">price</span>
of Natural Gas. <o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">That’s why natural gas
market price is always at a boil.<o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Saudi Arabia is one of
the most prolific exporters of crude. But it uses it position to unabashedly
steamroll tension in Yemen, elbow out Iraq, regulate OPEC, and most importantly
control crude price internationally. It uses OPEC meetings to force other less
affluent <span style="mso-no-proof: yes;">members</span> throttle or open taps of
<span style="mso-no-proof: yes;">crude</span> oil production regulating it’s
price artificially.<o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">To understand how
Saudi Arabia controls and lets crude price drift higher or lower, let’s check
out what it recently did. <o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">It had taken a
decision to let <span style="mso-no-proof: yes;">price</span> of crude depreciate
and not to decrease crude production. This brought crude down to 30 dollars per
barrel and made countries like Venezuela, Nigeria, broke. When Saudi Arabia
itself started suffering the pangs of ultra low crude price with its economy becoming
capital account deficit and welfare, infrastructure schemes getting scrapped,
it quickly changed tracks. Till now it had resisted production cuts. But such
is the power of this <span style="mso-no-proof: yes;">middle</span> east nation
that within weeks it subjugated its fellow OPEC members to agree to production
cuts. <o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">It colluded with <span style="mso-no-proof: yes;">Non Opec</span> members and traditional business
opponents (in <span style="mso-no-proof: yes;">cude</span> oil export) i.e.
Russia, to hammer out a production cut formulae that effective cut off more
than 2 mbd from the oil market. The price of oil took off and within a span of
five months, flew to 80 dollars from 35 dollars. <o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">This is the power of Russia,
Saudi Arabia in regulating crude prices.<o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Iran, another giant in
crude oil export,<span style="mso-spacerun: yes;"> </span>frequently messes up
the market.<span style="mso-spacerun: yes;"> </span>It finances, trains militant
outfits in Yemen, West Africa, Palestine and Jihadi groups like Al Queda.<o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">It's no brainer that's
its as anathema to a country like USA.<o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">This results in
frequent sanctions from USA and EU, which have crippled Iran’s most important aspects
i.e. capital investment into new oil fields and servicing of existing
ones.<span style="mso-spacerun: yes;"> </span>It has also been barred from using
the American channels of payment. This particular step effectively cuts it from
transacting freely with any nation,<span style="mso-spacerun: yes;"> </span>as
all the International payments are done in American dollars. Before this
sanction took place, in the 2010s Iran was producing about 3.5 mbd. After
sanction was lifted in Obama era,<span style="mso-spacerun: yes;"> </span>it was
exporting about 2.5 mbd. But in the sanction by Trump, much steeper laws are in
place, which will bring down the export of Iranian crude to about 700,000
barrels from 4<sup>th</sup> November. This continuous process of sanctioning and
releasing Iran, creates heavy fluctuations in world wide crude price.<o:p></o:p></span></span></div>
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<br />
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Libya is another
African country which has giant oil and gas field like Sharara. But the coalition
government created by National Accord does not have the power or resources to
regulate the extremist outfits. These terror groups damage the pipelines or set
the crude storage tankers on fire, as a sort of wager in return of supporting
their activities. Or for ransom payment. This causes the Libyan output to
frequently fluctuate and cause ripples in the market.<o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Nigeria is the largest
sweet oil producer in Africa. One of its famous product (from Shell) is Bonny
Light. However as in other African nations, damage of pipelines, setting inventory
terminals to fire by rogue groups are common. These not only create outages but
major fluctuations in price.<o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">American shale oil
would have been sufficient to satisfy a large part of crude consumption.
However, crude transport pipeline shortage in West Texas, and in the storage depots
in Oklahoma and Cushing are preventing frackers and drillers from producing
more, as it is costly for them to transport it via rail and tankers rather than
pipeline. However, this issue so start getting solved from 2019 Q2 onwards.<o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">The above mentioned
factors constitute the important ones that dramatically increase our decrease
price of crude in a short span of time.<o:p></o:p></span></span></div>
<br /></div>
thehourjobhttp://www.blogger.com/profile/14864308772919653185noreply@blogger.com0tag:blogger.com,1999:blog-1761969221554830936.post-45970484243208549532018-10-16T08:34:00.000-07:002018-10-16T08:40:15.825-07:00 Why price of a currency increase & decrease? For example USD vs INR<div dir="ltr" style="text-align: left;" trbidi="on">
<div class="MsoNormal">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">While writing this article, I have an ominous feelings.
While rupee was trading at 65 to a dollar about 8 months back, now it's trading
around 74.<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Should the sanction on Iranian crude fructify to the extent
the world fears, rupee can shoot over 75 easily.<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Let's delve into what affects our currency. What causes our
currency to weaken or strengthen ?</span><br />
<a name='more'></a><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://3.bp.blogspot.com/-uN1x8jCr4xk/W8YC7Yw8wVI/AAAAAAAACFA/3DYC-DRR17MEEndbNn8-hmES2eWwSoxOgCLcBGAs/s1600/Webp.net-resizeimage.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="indian currency exchange, usd vs inr, dollar to rupee forecast, will dollar rate increase tomorrow, " border="0" data-original-height="446" data-original-width="595" src="https://3.bp.blogspot.com/-uN1x8jCr4xk/W8YC7Yw8wVI/AAAAAAAACFA/3DYC-DRR17MEEndbNn8-hmES2eWwSoxOgCLcBGAs/s1600/Webp.net-resizeimage.png" title="Why price of a currency increase & decrease? For example USD vs INR" /></a></div>
<div class="MsoNormal">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Currency is basically a function of many factors:<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span></div>
<h3 style="text-align: left;">
<b><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Dollar effect on INR </span></b></h3>
<div class="MsoNormal">
<b><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span></b></div>
<div class="MsoNormal">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">* If inflation rises in other countries, especially in US,
it bodes ill for our country. If inflation rises in US, ultimately FED has to
raise interest rate, to keep inflation under control. In case, FED hikes
interest, RBI has to raise interest on INR. Otherwise, the return on dollars
will be more attractive than rupee. It will cause instantaneous outflow of
rupee (selling) and buying of dollars, crashing our market.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span></div>
<h4 style="text-align: left;">
<span style="background: yellow; mso-highlight: yellow;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Why is
dollar so important or used as reserve currency?</span></span></h4>
<div class="MsoNormal">
<span style="background: yellow; mso-highlight: yellow;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span></span></div>
<div class="MsoNormal">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">* USD is the reserve currency globally. Renminbi (Chinese
currency) tried to usurp it from it's position, but it was not been successful.
One major reason for this is the difference in functioning of Fed and People's
bank of China. By means of constitution, Fed is independent to calibrate dollar
as per ongoing parameters of economy, while Renminbi is calibrated not
independently, but under the hawk eye of Chinese communist government. This
makes the Chinese currency inflexible and more attuned to appeasement of
People's Government Of China. The dollar is perceived as a much stronger
democratic currency, which incidentally carries the backing of the world's
strongest, powerful nation. <o:p></o:p></span></div>
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<br />
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">*It's not for nothing that dollar is the reserve currency of
our globe. If you check the events after the collapse of Lehman Brothers and
the financial rout following that in 2008, the ramifications of which continued
deep into 2009, you will notice the US economy was the first to get out of the
woods.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Even in 2018, while writing this article, Italy is still
doubt full, while Greece is yet to come clean from debts taken from European
Union and IMF. Japan is yet to emerge from deflation, and China is highly
leveraged country. <b>That leaves Dollar as
the reliable , rock steady currency on which the world can rely, and the only
medium of global buy , sell.<o:p></o:p></b></span></div>
<div class="MsoNormal">
<b><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span></b></div>
<h4 style="text-align: left;">
<b><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Effect of dollar on Indian Rupee</span></b></h4>
<div class="MsoNormal">
<b><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span></b></div>
<div class="MsoNormal">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">The net result is that when dollar catches cold, INR suffers
too. If USA economy suffers from stagflation, FED will reduce it's interest
rate. Now if India doesn't follow suit, it's export will suffer , because the
INR will be at comparative higher rate wrt. USD and that will make India's
products costlier.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span></div>
<h4 style="text-align: left;">
<b><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Effect of crude oil
on Indian Rupee</span></b></h4>
<div class="MsoNormal">
<b><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span></b></div>
<div class="MsoNormal">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">India has to import 80% of it's crude oil requirements.
What's in that you would ask? Nothing Sir, there's only a slight hitch.All over
the world crude is priced in dollars. So whenever Brent crude rises over 60$,
India gets in serious trouble. More dollars have to be paid for buying,
resulting in larger trade deficit. This results in further weakening of the
rupee. The situation continues, rupee weakens further, till price rise stops.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">However, not all is lost and there's a natural brake to how
much oil can rise. As oil rises, superusers like China and India's economy will
falter and they will consume less. So ultimately supply will trump demand and
price will turn down.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span></div>
<h4 style="text-align: left;">
<b><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Some factors that
affect our domestic currency, Rupee</span></b></h4>
<div class="MsoNormal">
<b><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span></b></div>
<div class="MsoNormal">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Four important items which are responsible for India's CAD
are electronic items, gold, crude oil, pharmaceutical constituents. In times of
weakened rupee (like now at 74 to a dollar), government tinkers with the import
duty on these goods (especially on non core items like gold, mobile) to bring
down the import, thus stopping dollar outflow and prep up the rupee . <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Rainfall, thunderstorm, snowfall, in short seasonal natural
events/calamities affect our currency greatly Lower than average rainfall means
less agricultural production. Less agricultural
production necessitates import of food/foodgrains, increasing MSP for
farmers, more subsidies in short everything% vs that increases CAD. So rupee
weakens.A good monsoon has the exact opposite effect.<o:p></o:p></span></div>
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<br />
<div class="MsoNormal">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span></div>
<h4 style="text-align: left;">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><b>How is currency
useful to business apart from buy sell medium?</b></span></h4>
<div class="MsoNormal">
<b><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span></b></div>
<div class="MsoNormal">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Currency is one of the main tool for controlling inflation.
Inflation is like diabetis, eating up the economy silently. It clogs demand and
impacts every sector of economy. The main weapon of RBI in fighting inflation
is increasing rate of interest on currency. Other tools of controlling
liquidity apart from currency is increasing SLR for banks, Repo rate etc.<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">In our country currency future positions are traded in
MCX-SX , NSE, BSE. It's a great hedge tool for companies taking loans in
dollars or having foreign convertible currency debts. Importers and exporters
can also use the futures positions available through exchanges to save
themselves from losses, should USD-INR rate slide down or shoot up.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "georgia" , serif; font-size: large;">For
traders, currency is a great low cost trading tool (compared to equity
futures), for RBI it's a mighty tool to tune country's economic direction, for
exporters and importers it’s a great hedging tool.</span></div>
<div class="MsoNormal">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span></div>
<div class="MsoNormal">
<br /></div>
</div>
thehourjobhttp://www.blogger.com/profile/14864308772919653185noreply@blogger.com0tag:blogger.com,1999:blog-1761969221554830936.post-34403005617966788202018-10-14T00:05:00.000-07:002018-10-14T05:39:38.136-07:00Everything you need to know about Stock Market Correction and Precaution<div dir="ltr" style="text-align: left;" trbidi="on">
<div class="MsoNormal">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Stock market correction is what you are witnessing and
experiencing (painfully) today. Markets, to be true, are basically trading
marketplaces and hence irrational. <o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">If you think that the price rise is going to stop at a point
that you think is logical, you are mistaken. The price of a script will
continue to rise until supply exceeds demand. The "supply vs demand"
will act as a natural break to the
uninterrupted price upwards movement.</span></div>
<a name='more'></a><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><o:p></o:p></span><br />
<div class="MsoNormal">
<br /></div>
<h3 style="text-align: left;">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><b>Why does market
correction occur</b>?</span></h3>
<div class="MsoNormal">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><b>The basic reason why
the market correction occurs</b> is that the
price the market is paying currently or has paid for the stocks is/will not <u>matching</u>/match
the returns you are/will getting/get in future. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span></div>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://2.bp.blogspot.com/-v70tlGrv32M/W8LofDA33SI/AAAAAAAACEo/4OoI4NFf-EYWTlmmTi-M0O5eNLwp2ID2QCLcBGAs/s1600/160107175354-market-correction-arrow-780x439.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img alt="stock market correction history, frequency of market correction, Stock Market Correction, Market Correction, market crash, stock market correction India, " border="0" data-original-height="439" data-original-width="780" height="360" src="https://2.bp.blogspot.com/-v70tlGrv32M/W8LofDA33SI/AAAAAAAACEo/4OoI4NFf-EYWTlmmTi-M0O5eNLwp2ID2QCLcBGAs/s640/160107175354-market-correction-arrow-780x439.jpg" title="Every thing you need to know about Stock Market Correction" width="640" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Image credit - CNN Money</td></tr>
</tbody></table>
<div class="MsoNormal">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Traders quickly jump in the fray once they spot a script that
will provide manifold returns in future. But they are equally adept to dump the
script if they catch a whiff of earnings downgrade possibility of the same
stock. A probable sector earnings downgrade pulls down the w</span><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">hole</span><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"> lot of shares comprising that sector.</span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><b>To understand why the
capital market falls</b>, it's better to discuss a little about why the markets
rise. Because that cannot fall which has not risen.<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Well, there are different types of scripts.<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Some are matured scripts which have little scope of further upwards
movement in terms of price. They amble along nicely, without much fluctuation.
Defensive stocks fall under this category. Stocks like ITC, L&T, Nestle
etc. fall under this niche. Their price does not slide much because their
product portfolios consists of items in which they normally have monopoly and huge market reach. These products,
their pending orders, and market reach are not easily surmountable by other
companies in same sector. Hence such stocks normally have continuous revenues,
give constant and stable returns, good dividends and resultantly, their price do not fluctuate in extremes. Such type of
stocks hold the market through thick and
thin.<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">However, one type of vulnerable category stocks are the
growth story scripts. Airtel was such a stock till two years ago before the
onslaught of Jio. Sky was the limit for Airtel with scope of further
penetration in Telecom, till Jio barged in. Growth stocks are those which have
still scope of explosive earnings growth. Their price is still at a level from
which people are willing to pay more for future better earnings prospects. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">These are one line of stock which are vulnerable and can be
one of the chief factors causing a market churn.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">This happens when the actual trajectory of these growth
stocks do not match the perceived growth story.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Sometimes, their story is disrupted by another company with superior
offerings.<o:p></o:p></span></div>
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<br />
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Another class of stocks which can cause flutter in the
market, are the high beta scripts. Examples of such stocks are the realty,
banking, nbfc etc. sector scripts. But these are basically trading scripts and
whenever VIX rises or market shows symptoms of nervousness, these stocks are
dumped first, fast. This selling adds further to market fall.<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Banking stocks are a great contributor to the market
liquidity. These constitute a large part of the banking index and several of
them are blue chip stocks which are held in large number by the mutual funds.<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">A uptick in interest rate or upward revision of inflation
generally causes heavy weight banking stocks like sbi, icicibank, hdfc and nbfc
companies like reliance capital, shriram finance to fall rapidly. This happens
because increase of interest rate or inflation means uptake of lesser loans.
This translates to lesser NIMs or net interest margins.Also percentage of NPAs
in bank’s portfolio increases which naturally decreases the stock price.<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">This increase of NPA sometimes weaken the bank's financial
figures to such an extent that the government has to step in to provide
additional capital to the banks in form of equity. This means increase in CAD,
which makes rupee weaker and market slide.<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Let’s now deliberate on what to do when the market falls.
You will agree with me that it's better to bolt the door before the horse
flees. In other words prevention is better than cure.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Before applying the vaccine, be on the lookout for the
occurrence of symptoms of the disease. <o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">The principle problem causing the market precipitation, as
you know, is persistent high price. When somebody agrees to buy a share at a
particular "ask" rate, there will be reasons why he is willing to do
so. Principal of them are 2 reasons:<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Capital gain in future due to revenue growth and consequent increase
in net profit.<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Reward in form of better dividends as the net profit
increases.<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">A few traders start the trend by buying shares of a
particular company or in general, the index shares. Buying the index shares
cause the Nifty or Sensex to rise. Index shares are bought when one expects the
general economy to rise due to lower inflation, low fuel prices, higher
consumer and industrial demand.<o:p></o:p></span></div>
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<br /></div>
<div class="MsoNormal">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Once the traders buys these shares, the news spread and
buying momentum increases. It reaches into a cresendo when everybody feels left
out and buys without looking at the financial parameters. High volume buyout of
the index scripts buoys the index.<o:p></o:p></span></div>
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<br /></div>
<div class="MsoNormal">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">The index creates a new high as majority of the stock rises
peeing to a common feel good factor.<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Suddenly something happens out of the blue (price rise in
crude oil owing to natural calamity, sanction, outage in oil drilling company
etc., less rainfall than expected, rise of inflation in USA), in short anything,
that crushes the dream future of the index scripts. The market falls
ferociously.<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<h3 style="text-align: left;">
<b><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">So, what are the
preventive measure you can take to avoid major meltdown of your capital during
market fall?</span></b></h3>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Keep an eye on financial ratios like collective P/E and P/B
of the market. Collective index P/E between 11 to 17 is okay, anything above
that begs attention.<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Collective P/B between 1 to 1.5 is okay. Anything above 2
warrants alertness in buying at that level.<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Check out the index dividend yield. See if it's at
attractive levels, before buying the stocks. One of the main reason for which
investors buy stocks are the dividend. If the index yield is not attractive, it
means most of the index stocks will not provide you an attractive dividend at
the at price. Logically, then why should you at buy at that price?<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">These simple few steps would save you from a lot of
heartburn later, when the market crashes. All because these tell -tell signs alerts
you and you not to purchase any script at these elevated levels where risk to
reward ratio is very high.<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Another way to save your skin and even make some profit,
when the market slides, is to buy a nifty or banking “put” option beforehand as
an insurance. But it when the market is at irrational high and price of put
low. This works particularly well if your bought shares capital is large. In
case the market moves up, the rise in your investment amount will partially
offset the decrease in value of put. If the market falls, the put premium
increase will negate the mark to mark decrease in value of invested stocks.<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">However, options is a dangerous game and if you find that the
market has every chance to fall more, it's better to sell your stocks at that
still elevated levels and square the put too, whose premium increase will be the
icing on the cake of your returns.<o:p></o:p></span></div>
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<br />
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Gorge on dollars when the market is at irrational high. As
the market will fall, foreign investors will flee, selling INR and buying USD
in the process. Increase in value of USD will provide you a steady stream of
capital even when the market falls. In fact, for you, buyer of USDINR futures
in NSE or MCX-SX, more the market falls coupled with weakening of rupee, more
the merrier.<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Buy US equity based MFs or ETFs like e.g.<span style="background: white; color: #3c4043;"> </span><span style="background: white; color: #3c4043;">Motilal Oswal Nasdaq 100 ETF which sports a
three-year return of about 21 per cent or ICICI Prudential US Bluechip with 16
per cent average return over last three years. Franklin Feeder US Opportunities
is also a viable option.<o:p></o:p></span></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Normally when the Indian capital markets are up, they are
available at decent valuation. However, once domestic markets plummet , these
US based ETFs shoot up.<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">The above steps are
effective in protecting you. Give the above suggestions due weightage, they in turn
would allow that lovely smile on your face to remain there irrespective of the Sensex
being at 36,000 or 26,000 or at 16,000.</span></div>
thehourjobhttp://www.blogger.com/profile/14864308772919653185noreply@blogger.com0tag:blogger.com,1999:blog-1761969221554830936.post-78752790880022818822018-09-30T01:28:00.002-07:002018-10-13T22:43:54.540-07:0010 Factors to be Considered While Opening Trading and Demat account<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="font-family: "verdana" , sans-serif; font-size: large;">Stock
market trading is undoubtedly one of the elusive, yet most sought-after options
to make money. Investments in stock market give better returns to the people,
while offering them a great wealth accumulating opportunity. If done right,
people can make huge amount of money in a short span of time.</span></div>
<a name='more'></a><span style="font-family: "verdana" , sans-serif; font-size: large;"><o:p></o:p></span><br />
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<br /></div>
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<span style="font-family: "verdana" , sans-serif; font-size: large;">But you
need to have a Demat account to invest or trade in the share market. As of the
current scenario, stocks are stored in an electronic, Dematerialized form. It
is therefore important for all the aspiring investors to open a Demat account
to get started with stock trading. In order to do it right, you must know about
certain things before opening a Demat and Trading account.<o:p></o:p></span></div>
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<span style="font-family: "verdana" , sans-serif; font-size: large;"><br /></span></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://3.bp.blogspot.com/-HJcHKUdt73c/W7CHxxyHv1I/AAAAAAAAB-s/9lfsax102GAFA5vCdUAxcrrz98UrVaB2ACLcBGAs/s1600/pexels-photo-874242.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><span style="font-size: large;"><img alt="things to know before opening demat account, demat account opening procedure, things to take care while opening demat account, demat account precautions, questions to be asked before opening demat account, " border="0" data-original-height="853" data-original-width="1280" height="426" src="https://3.bp.blogspot.com/-HJcHKUdt73c/W7CHxxyHv1I/AAAAAAAAB-s/9lfsax102GAFA5vCdUAxcrrz98UrVaB2ACLcBGAs/s640/pexels-photo-874242.jpeg" title="10 Factors to be Considered While Opening Trading and Demat account" width="640" /></span></a></div>
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<span style="font-family: "verdana" , sans-serif; font-size: large;"><br /></span></div>
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<br /></div>
<h3 style="line-height: normal; margin-bottom: 5.0pt; margin-left: 0in; margin-right: 0in; margin-top: 5.0pt; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span style="font-size: large;"><span style="font-family: "verdana" , sans-serif; font-weight: normal;">The
briefings listed below will serve as your guide on </span><span style="font-family: "verdana" , sans-serif;"><i>Things to
Consider Before Opening Trading and Demat Account</i><span style="font-weight: normal;"> :-</span></span></span></h3>
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<br /></div>
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<span style="font-family: "verdana" , sans-serif; font-size: large;"><b>1. Determine your needs - </b>As an investor, you need to define your
investment plans and goals. Most importantly, determine what amount of money
you can invest in the ‘gamble’. These
particulars help in choosing a brokerage company according to your specific
trading needs. As a matter of fact know that hiring full-time brokers are an
ideal option for serious investors, whereas the discount brokers prove out to
be a better option for casual investing. Note that commission rate of full time
brokers are higher comparatively as they are accessible 24/7.<o:p></o:p></span></div>
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<span style="font-family: "verdana" , sans-serif; font-size: large;"><br /></span></div>
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<span style="font-family: "verdana" , sans-serif; font-size: large;"><b>2. Verify the credentials</b> <b>of broker</b>- It is very important
to verify the credibility of the broker before opening your demat account. Give
preference to the Depository Participant/broker who is registered with
Securities & Exchange Board of India (SEBI). You can easily file a
complaint against the broker in case of any fraudulent activity.<o:p></o:p></span></div>
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<span style="font-family: "verdana" , sans-serif; font-size: large;"><br /></span></div>
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<span style="font-family: "verdana" , sans-serif; font-size: large;"><b>3. Collect necessary details of
the depository services</b> - Confirm
whether or not your broker offers depository services. It is surely going to be
an added advantage if he works as a Depository Participant, because it improves
transparency in the transactions, while making the processes quicker. In
addition, you can reap the benefit of hassle free and smooth transactions. And
to the top of that you’ll get better assistance for demat-related issues. <o:p></o:p></span></div>
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<span style="font-family: "verdana" , sans-serif; font-size: large;"><br /></span></div>
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<span style="font-family: "verdana" , sans-serif; font-size: large;"><b>4. Check out the risk tolerance
rate of the trading account- </b>It is very important to select the right account type in order to get
the best return for your investment. Map the risk tolerance according to the
Income, growth and Conservation of Capital. Additionally, you should know about
the account type - whether it’s Cash and margin account, Cash only account,
Retirement-type account or a standard account. <o:p></o:p></span></div>
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<span style="font-family: "verdana" , sans-serif; font-size: large;"><br /></span></div>
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<span style="font-family: "verdana" , sans-serif; font-size: large;"><b>5. Compare the different
trading platforms- </b>There are
countless options of the companies offering tempting offers for opening an
online brokerage account. A smart investor always compares the different
available options before fixing the deal with a brokerage firm. Reach out to different
brokerage firms with queries and specific questions. This will help you in
measuring the quality of their customer service and responsive rate. Quality of
service and support matters very much in stock trading. <o:p></o:p></span></div>
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<span style="font-family: "verdana" , sans-serif; font-size: large;"><br /></span></div>
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<span style="font-family: "verdana" , sans-serif; font-size: large;"><b>6. Inquire
about working of the Broker -</b> Never miss out to inquire about the support that will be provided by
the broker. A reliable support will help you in resolving the difficulties,
while ensuring smooth functioning of the process. <o:p></o:p></span></div>
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<span style="font-family: "verdana" , sans-serif; font-size: large;"><br /></span></div>
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<span style="font-family: "verdana" , sans-serif; font-size: large;"><b>7. Get details of the analytics
and research material provided</b> <b>by the Broker</b> - Research and analysis play a vital role in
earning profits from stock market investments. Look for a broker who can
potentially provide good analysis and research material in the forms of
technical data, different reports and analytics. This is extremely important to
score better profits by making highly beneficial investments and trades.<b> </b><o:p></o:p></span></div>
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<span style="font-family: "verdana" , sans-serif; font-size: large;"><br /></span></div>
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<span style="font-family: "verdana" , sans-serif; font-size: large;"><b>8. Confirm about the mode of
payment used by the Brokerage firm -</b> Confirm about the payment criteria used by the brokerage firm to
receive and release the investment amount and profits respectively. Find out
whether they conduct the business dealings through wire transfers or through
instant transfers. Be very careful when sharing the necessary details with your
broker when opening a brokerage account. There are a number of scam brokerage
firms in the market. Make sure website of the brokerage firm is https://
encrypted.<o:p></o:p></span></div>
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<span style="font-family: "verdana" , sans-serif; font-size: large;"><br /></span></div>
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<span style="font-family: "verdana" , sans-serif; font-size: large;"><b>9. Enquire about the additional
charges - </b>Enquire about the
various charges levied by the brokerage firm on its services. Some basic
charges of the brokers include transaction fees conversion fee, and annual
maintenance charges. Most importantly, it is important to confirm and
re-confirm about the charges that would be levied by them in the future.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: 5.0pt; margin-left: .25in; margin-right: 0in; margin-top: 5.0pt; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -.25in;">
<b style="font-family: Verdana, sans-serif; text-indent: -0.25in;"><span style="font-size: large;"><br /></span></b></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: 5.0pt; margin-left: .25in; margin-right: 0in; margin-top: 5.0pt; mso-layout-grid-align: none; text-align: justify; text-autospace: none; text-indent: -.25in;">
<span style="font-size: large;"><b style="font-family: Verdana, sans-serif; text-indent: -0.25in;">10. Other Factors - </b><span style="font-family: "verdana" , sans-serif; text-indent: -0.25in;">There are a number of additional charges
in addition to the basic charges. They include rejected or failed instruction
charges, credit charges, mailing charges, pledge service charges and others.
The amount of these charges varies from one platform to another. They are
determined according to the account usage by the investor. Additionally, you
may also have to bear statutory charges. They include turnover charges,
Securities Transaction Tax, Sebi turnover fees, service tax, and stamp duty.
You should read the documents carefully before opening a demat account. Some
Depository Participants open demat account for free and levy the charges later.</span></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: 5.0pt; margin-left: .25in; margin-right: 0in; margin-top: 5.0pt; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<h4 style="line-height: normal; margin-bottom: 5.0pt; margin-left: 0in; margin-right: 0in; margin-top: 5.0pt; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span style="font-family: "verdana" , sans-serif; font-size: large;"><b>The
Concluding Word </b></span></h4>
<div class="MsoNormal" style="line-height: normal; margin-bottom: 5.0pt; margin-left: 0in; margin-right: 0in; margin-top: 5.0pt; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<b><span style="font-family: "verdana" , sans-serif; font-size: large;"><br /></span></b></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: 5.0pt; margin-left: 0in; margin-right: 0in; margin-top: 5.0pt; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span style="font-family: "verdana" , sans-serif; font-size: large;">It is not
necessary to open a demat account with the same firm where you’ve your trading
account. Hence, it is wise enough to ask for various heads that make up the
total cost of opening a demat account. Confirm whether you’ll have to pay
separate charges for trading and demat accounts. <o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: 5.0pt; margin-left: 0in; margin-right: 0in; margin-top: 5.0pt; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: 5.0pt; margin-left: 0in; margin-right: 0in; margin-top: 5.0pt; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
</div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: 5.0pt; margin-left: 0in; margin-right: 0in; margin-top: 5.0pt; mso-layout-grid-align: none; text-align: justify; text-autospace: none;">
<span style="font-family: "verdana" , sans-serif; font-size: large;">Technology
aspect also plays an important role in stock market trading. It is therefore
important to gather proper information about the latest technology used in the
market. A good technology offers real time details of the related stocks,
margin money, ask and bid price, Cost of portfolio, financial history, data,
and various other important events. It may also offer the benefit of quick
analysis of the company that you chose for investment. </span><span style="font-size: 12pt;"><o:p></o:p></span></div>
<span style="font-family: "verdana" , sans-serif; font-size: large;"></span></div>
thehourjobhttp://www.blogger.com/profile/14864308772919653185noreply@blogger.com0tag:blogger.com,1999:blog-1761969221554830936.post-33938963124978845272018-09-26T09:05:00.002-07:002019-07-07T10:54:27.300-07:00What is Trading Psychology? its Importance & Discipline<div dir="ltr" style="text-align: left;" trbidi="on">
<div class="MsoNormal">
<span lang="EN-IN"><span style="font-family: "verdana" , sans-serif; font-size: large;">If you say
that you trade, especially in the cash or derivatives market, the reaction
varies. Some will snigger you are basically gambling, while others would ask
you to invest in less riskier assets like bonds, provident funds or at least
mutual funds.</span></span><br />
<a name='more'></a><span lang="EN-IN"><span style="font-family: "verdana" , sans-serif; font-size: large;"><o:p></o:p></span></span></div>
<div class="MsoNormal">
<span lang="EN-IN"><span style="font-family: "verdana" , sans-serif; font-size: large;"><br /></span></span></div>
<h3 style="text-align: left;">
<span lang="EN-IN"><b><i><span style="font-family: "verdana" , sans-serif; font-size: large;">But is
trading akin to gambling?</span></i></b></span></h3>
<div class="MsoNormal">
<span lang="EN-IN"><span style="font-family: "verdana" , sans-serif; font-size: large;"><br /></span></span></div>
<div class="MsoNormal">
<span lang="EN-IN"><span style="font-family: "verdana" , sans-serif; font-size: large;">Trading
cannot be gambling. Gambling is somewhat that depends entirely on your luck. To
be successful in trading you need luck, but that is only a part of the whole
strategy. You also need dedication, patience, research and advice to trade
successfully. In gambling you choose something which is totally random and hope
that it clicks. Sometimes it really does, and the person becomes a millionaire
within an ultra-short span of time. But the chance of somebody winning in
gambling is one in a thousand.<o:p></o:p></span></span></div>
<div class="MsoNormal">
<span lang="EN-IN"><span style="font-family: "verdana" , sans-serif; font-size: large;"><br /></span></span></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://3.bp.blogspot.com/-C2UhRLm0CFI/W6ut7Kr4NEI/AAAAAAAAB64/ckn9tDTE8xcQJMYg7PLIYKGawgMnKl4yQCLcBGAs/s1600/pexels-photo-159888.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="What is Intra-day Trading Psychology its Importance and Discipline, What is Intraday Trading Psychology? its Importance and Discipline, day Trading Psychology its Importance and Discipline" border="0" data-original-height="480" data-original-width="640" height="480" src="https://3.bp.blogspot.com/-C2UhRLm0CFI/W6ut7Kr4NEI/AAAAAAAAB64/ckn9tDTE8xcQJMYg7PLIYKGawgMnKl4yQCLcBGAs/s640/pexels-photo-159888.jpeg" title="What is Intra-day Trading Psychology? its Importance and Discipline" width="640" /></a></div>
<div class="MsoNormal">
<span lang="EN-IN"><span style="font-family: "verdana" , sans-serif; font-size: large;"><br /></span></span></div>
<div class="MsoNormal">
<span style="font-family: "verdana" , sans-serif; font-size: large;">Unlike
gambling, trading does not repeatedly reward somebody who approaches it solely
depending on luck. The most important aspect of trading is that it requires as
much discipline as investing. Only the time frame is shorter and so are the
returns.</span></div>
<div class="MsoNormal">
<span lang="EN-IN"><span style="font-family: "verdana" , sans-serif; font-size: large;"><br /></span></span></div>
<div class="MsoNormal">
<span lang="EN-IN"><span style="font-family: "verdana" , sans-serif; font-size: large;">Unfortunately,
the motivating factor behind majority of the traders is <b>greed</b> and <b>regret</b>. The
first factor i.e. greed is easy to understand. Most of the people in the
capital market think trading as a quick and easy way of making profit. <b>Herd mentality</b> plays a great role in
trading.<o:p></o:p></span></span></div>
<div class="MsoNormal">
<span lang="EN-IN"><span style="font-family: "verdana" , sans-serif; font-size: large;"><br /></span></span></div>
<h3 style="text-align: left;">
<span lang="EN-IN"><b><i><span style="font-family: "verdana" , sans-serif; font-size: large;">What is
here mentality in trading?</span></i></b></span></h3>
<div class="MsoNormal">
<span lang="EN-IN"><span style="font-family: "verdana" , sans-serif; font-size: large;"><br /></span></span></div>
<div class="MsoNormal">
<span lang="EN-IN"><span style="font-family: "verdana" , sans-serif; font-size: large;"> Suppose, a stock is falling. Experts say that
the stock has fallen enough and is currently available at very low valuations. On hearing the expert opinions some people
rush to buy that stock. The word spreads and more people join in. You may have
been the logical one who was of opinion that the price can plummet further. <o:p></o:p></span></span></div>
<div class="MsoNormal">
<span lang="EN-IN"><span style="font-family: "verdana" , sans-serif; font-size: large;"><br /></span></span></div>
<div class="MsoNormal">
<span lang="EN-IN"><span style="font-family: "verdana" , sans-serif; font-size: large;">However,
when you see the majority of the share traders jump in the fray, you feel
idiotic to stand at the side while the tide is about to turn favorable.
Throwing your solid logic to the wind, you also buy a number of shares of that
script (well a lot of) thinking, convinced like the rest that the price would
bounce back from here; thence you would make a neat profit and exit.<o:p></o:p></span></span></div>
<div class="MsoNormal">
<span lang="EN-IN"><span style="font-family: "verdana" , sans-serif; font-size: large;"><br /></span></span></div>
<div class="MsoNormal">
<span lang="EN-IN"><span style="font-family: "verdana" , sans-serif; font-size: large;">But share
market history shows us that events do not happen as planned. More bad news(
false results, false revenues, deliberate pushing of goods as sales, capitalization of expenses, profit arising mostly or of one time revenue
activity, regulatory lapses, fine etc.) pulls the stock down even more. Now you
are in a quandary. You took the trade from the angle of trading and not
investing. in such cases mostly you do not have sufficient cash to hold the
positions for long. This is briar you were supposed to get profit shortly and
move off with the money. So, as the price dived further and you cannot trade in
any other lucrative positions, you square off these open positions at a loss.<o:p></o:p></span></span></div>
<div class="MsoNormal">
<span lang="EN-IN"><span style="font-family: "verdana" , sans-serif; font-size: large;"><br /></span></span></div>
<div class="MsoNormal">
<span lang="EN-IN"><span style="font-family: "verdana" , sans-serif; font-size: large;">This is <b>fear at play.</b> Maybe the stock would
have rebounded from there. But fear psychosis (another factor of trading and
generally of herd mentality) forces you to square off at a loss, without
waiting further.<o:p></o:p></span></span></div>
<div class="MsoNormal">
<span lang="EN-IN"><span style="font-family: "verdana" , sans-serif; font-size: large;"><br /></span></span></div>
<div class="MsoNormal">
<span lang="EN-IN"><span style="font-family: "verdana" , sans-serif; font-size: large;">If the buy
price was logical for buying, still your trading behavior was erroneous. You
may ask why?<o:p></o:p></span></span></div>
<div class="MsoNormal">
<span lang="EN-IN"><span style="font-family: "verdana" , sans-serif; font-size: large;"><br /></span></span></div>
<div class="MsoNormal">
<span lang="EN-IN"><span style="font-family: "verdana" , sans-serif; font-size: large;">Your
trading mentality pushed you to accumulate more number of shares that you could
have comfortably maintained in normal mode or in demat. The cash you locked in
by buying a larger number of shares for quick buy and sell, prevented you from
carrying out any other trades. Ultimately, you sold these shares at loss to
unblock this amount.<o:p></o:p></span></span></div>
<div class="MsoNormal">
<span lang="EN-IN"><span style="font-family: "verdana" , sans-serif; font-size: large;"><br /></span></span></div>
<div class="MsoNormal">
<span lang="EN-IN"><span style="font-family: "verdana" , sans-serif; font-size: large;">Another
emotion that plays out repeatedly in the stock market and repeatedly fools the
traders is <b>Regret</b> emotion with a big
E. Lets elaborate this with an example. Let’s say you were trading perfectly.
Suddenly you notice that a stock comes down to an attractive level. But like an
expert trader you wait patiently because you feel that the stock has still some
downturn left. But the stock reverses, goes up, and does not come to that point
again for a long time. You <b>Regret</b>
the decision of not buying it when it had come down to the lowest point earlier<o:p></o:p></span></span></div>
<div class="MsoNormal">
<span lang="EN-IN"><span style="font-family: "verdana" , sans-serif; font-size: large;"><br /></span></span></div>
<div class="MsoNormal">
<span lang="EN-IN"><span style="font-family: "verdana" , sans-serif; font-size: large;">Your <b>regret</b> makes you forget the fact that you
had remained inert because you felt the price had not bottomed out at that
point. As it normally happens, price reaches a lower top and retraces down
again. This time you are quick to buy the shares once it reaches the previous trough.
You feel satisfied. Your regret has gone. You feel that price would rise from
that point because 1) It had done so before 2) You have bought at that point. <o:p></o:p></span></span></div>
<div class="MsoNormal">
<span lang="EN-IN"><span style="font-family: "verdana" , sans-serif; font-size: large;"><br /></span></span></div>
<div class="MsoNormal">
<span lang="EN-IN"><span style="font-family: "verdana" , sans-serif; font-size: large;">Alas, the price
dives further and you watch helplessly as it reaches the price that you had
thought as the proper bottom. You can only watch and Ban-ff your head as you
have already bought at higher prices Your endless wait starts as the price
ho-hums around that level for a long time before finally rising, months or
years later. <o:p></o:p></span></span></div>
<div class="MsoNormal">
<span lang="EN-IN"><span style="font-family: "verdana" , sans-serif; font-size: large;"><br /></span></span></div>
<div class="MsoNormal">
<span lang="EN-IN"><span style="font-family: "verdana" , sans-serif; font-size: large;">You wonder,
what made you buy those shares at the upper level when you had a whiff that
price would reach this bottom point. The answer is single handedly “<b>Regret overcoming Logic</b>”.<o:p></o:p></span></span></div>
<div class="MsoNormal">
<span lang="EN-IN"><span style="font-family: "verdana" , sans-serif; font-size: large;"><br /></span></span></div>
<div class="MsoNormal">
<span lang="EN-IN"><span style="font-family: "verdana" , sans-serif; font-size: large;">The <b>burst
of adrenaline</b> is one of the most dangerous after effects of traders. Truly,
those sitting on front of mobiles and terminals, can overcome this excitement
and trade with rationality and patiently, are successful. On of the most
dangerous emotion that is a result of adrenaline rush is the <b>irresistible</b> <b>urge to trade</b>. <o:p></o:p></span></span></div>
<div class="MsoNormal">
<span lang="EN-IN"><span style="font-family: "verdana" , sans-serif; font-size: large;"><br /></span></span></div>
<div class="MsoNormal">
<span lang="EN-IN"><span style="font-family: "verdana" , sans-serif; font-size: large;">Most of the
time, you will not find someone who sits the whole day waiting for the right
moment to trade. If in any case you find someone, he might be Rakesh
Jhunjhunwala.</span></span></div>
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<br />
<div class="MsoNormal">
<span lang="EN-IN"><span style="font-family: "verdana" , sans-serif; font-size: large;"><br /></span></span></div>
<div class="MsoNormal">
<span lang="EN-IN"><span style="font-family: "verdana" , sans-serif; font-size: large;">In other
mortals, what normally happens is that you restrain yourself at the start.
However as time passes intraday, you become restless, as you visualize the lack
of trading as lack of income for that day. Slowly, your patience evaporates, and at some
point of the day, at an inappropriate opportunity you execute an order, <b>just because you did not trade the whole
day</b>. You keep your fingers crossed that its going to move profitably. Alas
most of the times it does not happen as you envisaged and instead, you suffer a
loss.<o:p></o:p></span></span></div>
<div class="MsoNormal">
<span lang="EN-IN"><span style="font-family: "verdana" , sans-serif; font-size: large;"><br /></span></span></div>
<div class="MsoNormal">
<span lang="EN-IN"><span style="font-family: "verdana" , sans-serif; font-size: large;">Selling
Short, because you feel the price has risen sky high, has left many traders
thunder stuck. In capital markets price can reach sky high and then aim for the
space. Many short sellers have been reduced to penury, when they short sold
scripts or derivatives and got crushed when “short squeeze” occurred. Traders
sometimes forget that is best to sell something only when they have an equal
quantity bought at hand.<o:p></o:p></span></span><br />
<span lang="EN-IN"><span style="font-family: "verdana" , sans-serif; font-size: large;"><br /></span></span>
<span lang="EN-IN"><span style="font-family: "verdana" , sans-serif; font-size: large;"><b><i>Recommended <a href="https://click.linksynergy.com/deeplink?id=4qJLd1HeQ0A&mid=39197&murl=https%3A%2F%2Fwww.udemy.com%2Ffoundation-course%2F" target="_blank">Stock Trading Course for Beginners </a></i></b></span></span></div>
<div class="MsoNormal">
<span lang="EN-IN"><span style="font-family: "verdana" , sans-serif; font-size: large;"><br /></span></span></div>
<span lang="EN-IN" style="line-height: 107%;"><span style="font-family: "verdana" , sans-serif; font-size: large;">The
best trading psychology would be to <b>“buy
like an </b></span></span><b style="font-family: Verdana, sans-serif; font-size: x-large;">investor”, but “sell like trader”, </b><span style="font-family: "verdana" , sans-serif; font-size: large;">without</span><b style="font-family: Verdana, sans-serif; font-size: x-large;"> </b><span style="font-family: "verdana" , sans-serif; font-size: large;">waiting for years of </span><span style="font-family: "verdana" , sans-serif; font-size: large;">multibagger</span><b style="font-family: Verdana, sans-serif; font-size: x-large;"> </b><span style="font-family: "verdana" , sans-serif; font-size: large;">return or of dividends like an
investor.</span></div>
thehourjobhttp://www.blogger.com/profile/14864308772919653185noreply@blogger.com0tag:blogger.com,1999:blog-1761969221554830936.post-17265081981519290892018-09-17T06:43:00.000-07:002018-09-19T07:05:57.968-07:00What is Short Selling of Stocks? Advantage, Risks, Rules & Example<div dir="ltr" style="text-align: left;" trbidi="on">
<div class="MsoNormal">
<span style="font-size: large;">Short selling is a
gamble. What I have found out in my
years of trading is that short selling
pays off handsomely, well err only a few times.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: large;"><br /></span></div>
<div class="MsoNormal">
<h3 style="text-align: left;">
<span style="font-size: large;"><b>First, what is Short Selling</b> ?</span></h3>
<span style="font-size: large;"><o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: large;"><br /></span></div>
<div class="MsoNormal">
<span style="font-size: large;">This type of selling
occurs virtually (especially in the stock and derivatives market) when you sell
something that you do not have in possession i,e, not in demat account.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: large;"><br /></span></div>
<div class="MsoNormal">
<span style="font-size: large;">For example, you sell 10 quantity shares of Reliance, but you do not
have those shares bought intraday before selling
or already in demat .</span><br />
<a name='more'></a><span style="font-size: large;"><o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: large;"><br /></span></div>
<div class="MsoNormal">
<h3 style="text-align: left;">
<b><span style="font-size: large;">How can you Short sell in Cash and Derivatives
market? Why is this type of action called Short Selling?</span></b></h3>
</div>
<div class="MsoNormal">
<b><span style="font-size: large;"><br /></span></b></div>
<div class="MsoNormal">
<span style="font-size: large;">In cash market its simple as selling the shares at any point of time before
the cut off (as mandated by SEBI rules
when you can initiate no more new short
positions). Note that this is called Short trading because you are selling
shares <b>which are short of corresponding
buy positions</b>. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: large;"><br /></span></div>
<div class="MsoNormal">
<span style="font-size: large;">So, you have sold the
shares which you do not have in your demat,
or your selling quantity is more than the bought positions in demat. You sold the shares predicting the price
of those scripts will come down soon. In reality,
two events can occur. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: large;"><br /></span></div>
<div class="MsoNormal">
<span style="font-size: large;">After your short sell, the price
may come down, as you envisaged. Or, It may reverse and go up.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: large;"> If it slides , you will be in profit. If it
moves up, you will suffer loss.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: large;"><br /></span></div>
<div class="MsoNormal">
<span style="font-size: large;">Short selling happens
differently in the cash and in the derivatives market. Short selling is a risky gamble which can destabilize any cash
market. <o:p></o:p></span><br />
<span style="font-size: large;"><br /></span>
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://4.bp.blogspot.com/-ANcBhQQ_6rg/W5-tLMyJT6I/AAAAAAAAB0U/atg_1dmwY4UqQdlJtOtqJbymrXJE1iBiwCEwYBhgL/s1600/stock-iphone-business-mobile-38629.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><span style="font-size: large;"><img alt="how to short a stock on etrade, what is short selling in share market, short selling dummies, short selling in India, short selling zerodha, What is Short Selling? Advantage, Risks, Rules & Example, short selling example, " border="0" data-original-height="425" data-original-width="640" height="424" src="https://4.bp.blogspot.com/-ANcBhQQ_6rg/W5-tLMyJT6I/AAAAAAAAB0U/atg_1dmwY4UqQdlJtOtqJbymrXJE1iBiwCEwYBhgL/s640/stock-iphone-business-mobile-38629.jpeg" title="What is Short Selling? Advantage, Risks, Rules & Example" width="640" /></span></a></div>
<span style="font-size: large;"><br /></span></div>
<div class="MsoNormal">
<span style="font-size: large;"><br /></span></div>
<div class="MsoNormal">
<h3 style="text-align: left;">
<b><span style="font-size: large;">Rules of short Trading in the Cash market</span></b></h3>
</div>
<div class="MsoNormal">
<b><span style="font-size: large;"><br /></span></b></div>
<div class="MsoNormal">
<span style="font-size: large;">So, in India, under
SEBI, the rules are that you have you mandatorily buy back the shares that you
have "Shorted" on the same day
within 3.00 PM. If you don't do, your broker will square off (buy) your
positions automatically , without your consent, at 3.15 PM at market price.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: large;"><br /></span></div>
<div class="MsoNormal">
<span style="font-size: large;">What does the above
statement mean? <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: large;"><br /></span></div>
<div class="MsoNormal">
<span style="font-size: large;">It means that you have to buy back that quantity of shares which you had sold without having any
corresponding buy quantities in the morning. As per SEBI, you cannot have any
open positions of Short quantities i.e. simple Sell positions of share, at the end of the day.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: large;"><br /></span></div>
<div class="MsoNormal">
<span style="font-size: large;">However, you can short or sell position is derivatives
without any such bars. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: large;"><br /></span></div>
<div class="MsoNormal">
<h3 style="text-align: left;">
<span style="font-size: large;"><b>Real life</b><b>
example of short selling in the cash
market<o:p></o:p></b></span></h3>
</div>
<div class="MsoNormal">
<b><span style="font-size: large;"><br /></span></b></div>
<div class="MsoNormal">
<span style="font-size: large;">Let's explain<i>
Short Sell</i> through a practical
example.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: large;"><br /></span></div>
<div class="MsoNormal">
<span style="font-size: large;">You Short sell Infosys
(say 5 shares ) at Rupees 1300 apiece. That
means y have sold 5 shares of Infosys, but you do not have corresponding buy
positions.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: large;"><br /></span></div>
<div class="MsoNormal">
<span style="font-size: large;">Your view at the time of selling was that the USD (dollar ) have
already appreciated too much. If the dollar
strengthens/go up verses Rupee, shares of
IT firms with strong overseas presence like Infosys,
TCS (who receive a major portion of their
revenue in dollars) , tend to move up. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: large;"><br /></span></div>
<div class="MsoNormal">
<span style="font-size: large;">However, if Dollar weakens and moves down, Infosys
share price logically follows the same downward
path.Ths happens because it's assumed that their revenue will also come down with the weakening of the dollar.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: large;"><br /></span></div>
<div class="MsoNormal">
<span style="font-size: large;">Now , let's carry on with our example. You thought that Dollar had moved up too fast, and
will come down that day. Henceforth, 3 things
can happen. It can be so that the dollar really moved down but Infosys did not
react as you expected and it moved up by 20 rupees at 3 pm. In such case, you will suffer
a loss of Rs 20 per share when you have
to mandatorily buyback/close your Open
short positions of Infy at 3.00 pm . That’s a total loss of Rupees 100 excluding other charges.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: large;"><br /></span></div>
<div class="MsoNormal">
<span style="font-size: large;">Else, Infy moves down
by Rupees 10 soon after. You square off your positions at a profit of rupees 10
apiece. Your gross profit is Rs 10 * 5 shares = Rs 50, excluding other charges.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: large;"><br /></span></div>
<div class="MsoNormal">
<span style="font-size: large;">Infy price comes down
by Rs 5 soon after. You do nothing, overconfident it will slide more. Price reverses, crosses Rs 1300 and reaches Rs 1320
at 3 PM. Your position is squared off automatically and you suffer a loss of Rs
20 * 5 = Rs 100 on this Short Sell trade.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: large;"><br /></span></div>
<div class="MsoNormal">
<h3 style="text-align: left;">
<span style="font-size: large;"><b>Shorting</b><b> in the
Derivatives market<o:p></o:p></b></span></h3>
</div>
<div class="MsoNormal">
<b><span style="font-size: large;"><br /></span></b></div>
<div class="MsoNormal">
<span style="font-size: large;">In Derivatives, the procedure is a bit different.
Here you cannot sell one or two shares of that entity.You have to sell in Lots i.e.
a specified number of shares which usually runs from hundreds to thousands per
Lot. The number of shares in a Lot is pre-determined by SEBI. For example, a derivatives lot of share like
Unitech which was trading below Rs 10, had a lot size of 8000 shares (when it traded in the futures market).<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: large;"><br /></span></div>
<div class="MsoNormal">
<span style="font-size: large;">You can Sell a lot of
any script in Derivatives/Futures market
without caring a hoot. Here you need not close your position at day end but can
carry it till the expiry date for that contract. The only hitch in this is that you have to make up the
market to market loss (if any) you suffer, for total quantities of that lot at
end of trading, every day. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: large;"><br /></span></div>
<div class="MsoNormal">
<span style="font-size: large;">This will go on until you have the open positions . If you make
a loss, you pay extra money to cover it. If you profit from short selling a
futures position at end of a day, the money is added to your account. There is
no need to close or square off your position in futures , till expiry and till
you have the money to cover your loss.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: large;"><br /></span></div>
<div class="MsoNormal">
<h3 style="text-align: left;">
<b><span style="font-size: large;">In India, why can we Short sell ( Sell
quantities of an entity without having corresponding Buy positions first) in the
Derivatives but not in the cash market?</span></b></h3>
</div>
<div class="MsoNormal">
<b><span style="font-size: large;"><br /></span></b></div>
<div class="MsoNormal">
<span style="font-size: large;">The answer lies in the
way the Cash and Derivatives/Future market are
settled.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: large;"> The cash
market is settled by actual positions while the derivatives
market is settled by paying the market to
market profit or loss.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: large;"><br /></span></div>
<div class="MsoNormal">
<span style="font-size: large;"> In cash market you can only sell the shares that you<b> physically</b> possess, but in derivatives market, you ultimately close your positions on
expiry <b>by paying/taking in cash</b> the total margin money and the profit or
loss that you have suffered due to your position. There is no physical
settlement of positions.<o:p></o:p></span></div>
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<br />
<div class="MsoNormal">
<span style="font-size: large;"><br /></span></div>
<div class="MsoNormal">
<span style="font-size: large;"> In a nutshell, for derivatives, you do not need to have the physical quantity
pre-bought , which you will furnish at
the time of expiry. However, what you have to provide is the margin money and
enough amount to cover your market-to-market losses.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: large;"><br /></span></div>
<div class="MsoNormal">
<span style="font-size: large;">Short selling in derivatives is dangerous. Warren Buffet has
famously called derivatives market a destroyer
of wealth, and this happens mostly owing to<b>
short squeezing</b>. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: large;"><br /></span></div>
<div class="MsoNormal">
<h3 style="text-align: left;">
<b><span style="font-size: large;">Short Squeeze</span></b></h3>
</div>
<div class="MsoNormal">
<b><span style="font-size: large;"><br /></span></b></div>
<div class="MsoNormal">
<span style="font-size: large;">In short-term trading,
there's a term: <b>Short Squeeze</b>".
This refers to a position in which there is
a huge quantity of Short Sold positions while the buying position is minuscule in comparison. May God save you , if
you also a participant in those shorted shares, Because , if the price
reverses, there is a mad rush to take whatever profit one can before the price
rises too high, and because bought quantities are not available in sufficient
numbers , people buy at whatever price the stock is available. This causes the price to shoot up like a rocket. And people get
trapped in the short positions. They then buy or square those off at whatever
fancy prices the buyer demands, at heavy losses.<o:p></o:p></span></div>
<br />
<div class="MsoNormal">
<h3 style="text-align: left;">
<span style="font-size: large;"><br /><b>Pros and Cons of shorting</b></span></h3>
</div>
<div class="MsoNormal">
<h4 style="text-align: left;">
<span style="font-size: large;"><b><br /></b><i>Advantages of shorting</i></span></h4>
</div>
<div class="MsoNormal">
<i><span style="font-size: large;"><br /></span></i></div>
<div class="MsoNormal">
<span style="font-size: large;">When you are sure that
a script price will slide, and you do not have the shares, short selling is the
only way to profit. This type of trade is best for some quick profit when you
sense that a share price has risen too
much or ann adverse event is going to
occur. You can also follow the Technical analyzers like RSI or MACD oscillator or
follow the Moving averages to decide when
to short sell. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: large;">However, the Cons of Short
selling outweigh the Pros. In short selling, you can never be sure when the price
will reverse. Believe me, it happens so
in 80% of the cases that the price of the script reverses at some point of the
day. The news for which the script fell might turn out to be no news at all, and
then the script reverses and takes an upward trajectory. If you cannot square
off your selling positions at this point in
time, you will suffer heavy losses. In
case of short selling, you gamble and depend on your luck. Most of the times, your gamble will not pay off.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: large;"><br /></span></div>
<div class="MsoNormal">
<h3 style="text-align: left;">
<span style="font-size: large;"><b>What are the strategies
I should follow for short selling</b>?</span></h3>
<span style="font-size: large;"><o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: large;"><br /></span></div>
<div class="MsoNormal">
<span style="font-size: large;">Short selling in
futures or in the cash market is not
advised. The problem in the futures market is that you cannot carry forward the
intraday position. In derivatives, the
problem lies in the fact that although they are meant to be carry forward,
the loss suffered owing to the large quantities in a derivatives LOT of that
script, makes it untenable to hold your positions if the price rise continues.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: large;">So there are only two
strategies that you can apply when trading Short. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: large;"><br /></span></div>
<div class="MsoNormal">
<span style="font-size: large;">Be fast and quickly
take some profit off the table if the price suffers a downfall soon after. Try
to make some profit whenever the price hurtles
downward so that you are at breakeven even if
the price rises after that downward movement.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: large;"><br /></span></div>
<div class="MsoNormal">
<span style="font-size: large;">Another way is to take
off the entire profit fast whenever you get even a small downward movement
after short selling.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: large;"><br /></span></div>
<div class="MsoNormal">
<span style="font-size: large;">Another way you can
tackle the situation is to apply Stop-Loss.
This will help to curb your losses and save you from getting burnt if the price suddenly shoots upward. If you
ask me, this is the best strategy of the lot. Place a stop loss and wait
patiently. If the price moves down, square off and pocket the profit. If the
price doesn't
do so and moves up instead, your <b>stop-loss
</b>will protect your capital from getting eroded too much. You will live to trade
another day. Who knows, you may hit the jackpot the next day.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: large;"><br /></span></div>
<div class="MsoNormal">
<span style="font-size: large;"><i>Do
not take too many positions in Short Trade. </i><o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: large;"><br /></span></div>
<div class="MsoNormal">
<h4 style="text-align: left;">
<b><span style="font-size: large;">Conclusion</span></b></h4>
<span style="font-size: large;"><o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: large;"><br /></span></div>
<span style="font-family: "calibri" , "sans-serif"; font-size: large; line-height: 115%;">I would advise you not to Short
Sell, especially in the cash segment. Trade like an investor . Wait and buy
when at low, and sell at highs. Trading is a strategy game after all and not a
gamble.</span></div>
thehourjobhttp://www.blogger.com/profile/14864308772919653185noreply@blogger.com0tag:blogger.com,1999:blog-1761969221554830936.post-13030538226488725612018-09-11T21:51:00.000-07:002019-08-29T04:35:09.949-07:004 Ways to Earn Money on Ysense by Working Part Time Online<div dir="ltr" style="text-align: left;" trbidi="on">
<span style="font-size: large;"><span style="font-family: "georgia" , "times new roman" , serif;">Are you looking for a way to earn extra cash by working part-time online? A part-time work which does not require much time? A flexible free online job which you can do from your home? Then, I would say <a href="https://www.ysense.com/?rb=59398033" target="_blank">Clixsense</a> (now Ysense) is the best option for you. </span></span><br />
<span style="font-size: large;"><span style="font-family: "georgia" , "times new roman" , serif;"><br /></span></span>
<span style="font-size: large;"><span style="font-family: "georgia" , "times new roman" , serif;">Why I am recommending Ysense because here you don't need any money to invest before earning. And this is a genuine opportunity where you can make some part time income. As we all know that there are thousands of scam websites available on internet which claims that you can make thousands of dollar easily. But believe me its not that easy to make such big money and 98% of such offers/claims are false. </span></span><br />
<span style="font-size: large;"><span style="font-family: "georgia" , "times new roman" , serif;"><br /></span></span>
<span style="font-size: large;"><span style="font-family: "georgia" , "times new roman" , serif;">So finding a genuine website that really benefits you is a tough task. But after researching and investing my time and effort and understanding this website, I can recommend you to try this as it is free. The limit of income depends on your potential, this website has a lot of potentials to generate good part time income. I would say that if you give your 1-2 hour of time on a daily basis then it is not difficult to make $10+ </span></span><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">daily income without any investment.</span><br />
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span>
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"> </span><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">(of course this amount varies from country to country, as top tier countries such as US, UK, Canada etc have better pay rate for surveys and task than low tier countries)</span><br />
<span style="font-size: large;"><span style="font-family: "georgia" , "times new roman" , serif;"><br /></span></span>
<span style="font-size: large;"><span style="font-family: "georgia" , "times new roman" , serif;">Here you can earn decent part time income online for free. In this post, you are going to know HOW? But before that just take a look on what is Ysense?</span></span><br />
<span style="font-size: large;"><span style="font-family: "georgia" , "times new roman" , serif;"><br /></span></span> <br />
<h3 style="text-align: left;">
<span style="font-size: large;"><span style="font-family: "georgia" , "times new roman" , serif;"><b>What is <a href="https://www.ysense.com/?rb=59398033" target="_blank">Clixsense</a>? (Clixsense is now <a href="https://www.ysense.com/?rb=59398033" target="_blank">Ysense.com</a>)</b></span></span></h3>
<br />
<span style="font-size: large;"><span style="font-family: "georgia" , "times new roman" , serif;"><br /></span></span><span style="background-color: white;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Ysense.com is an online rewards website for those looking to earn extra money from all over the world. Founded in 2007, as a paid-to-click website, Ysense has since changed its business model and has become an industry leader in providing an easy way for its members to earn extra money from multiple sources. Ysense has paid out more than $33 million to its members and continues to grow.</span></span><br />
<span style="background-color: white;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span></span>
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><span style="background-color: white;">How Ysense began their journey :- </span><span style="background-color: white;">Starting in 2012, Ysense began providing quality market research through its multiple market research partners and has since grown to be one of the top-quality providers according to Lucid, a global marketplace for market research sample based in New Orleans, Louisiana. The company office is located at below address. </span></span><br />
<span style="font-size: large;"><span style="font-family: "georgia" , "times new roman" , serif;"><b><a href="https://www.ysense.com/?rb=59398033" target="_blank">Ysense.com</a></b></span></span><br />
<span style="font-size: large;"><span style="font-family: "georgia" , "times new roman" , serif;">210 Bates Retreat</span></span><br />
<span style="font-size: large;"><span style="font-family: "georgia" , "times new roman" , serif;">Hampstead, NC 28443</span></span><br />
<span style="font-size: large;"><span style="font-family: "georgia" , "times new roman" , serif;">USA</span></span><br />
<span style="font-size: large;"><span style="font-family: "georgia" , "times new roman" , serif;"><br /></span></span> <span style="font-size: large;"><span style="font-family: "georgia" , "times new roman" , serif;">There are 4 ways through which you can earn money on <a href="https://www.ysense.com/?rb=59398033" target="_blank">Ysense</a>. Let's see what they are and How to?</span></span><br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<span style="font-size: large;"><span style="font-family: "georgia" , "times new roman" , serif;"></span></span></div>
<br />
<h4 style="text-align: left;">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">1</span><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">. </span><b style="font-family: georgia, "times new roman", serif; font-size: x-large;"><span style="color: #cc0000;">Paid Surveys</span></b><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">: </span></h4>
<br />
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">It is a good option to earn because it pays good amount on each survey. A survey ranges from $0.10 to $5 each depending on the country your are residing. The good thing about Ysense is that you don't need to sign up on different survey sites. By completing your profile on Ysense you will get surveys of different survey network at one place. These surveys are available on Ysense once in 24 hours every day. But the number of surveys available depends on your location and country. Try to complete few surveys daily and do not rush while answering otherwise you will be rejected. But don't worry again you will get the chance to take part once it is available.</span><br />
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Some tips: You cannot complete every survey because surveys are based on certain criteria such as age, gender, profession, quota and so on. So if a survey is conducted for female resident in age criteria of 20-40, then a male taking that survey will automatically disqualify by the system. Here you need to qualify in survey first before taking them by entering some information such as age, gender, profession etc about you and if that survey is meant for you then system will not disqualify you. There are enough surveys available each day so you can attempt one or all of them to see if you qualify and complete as many as possible. Also most surveys are compatible for Desktop computer, not for mobile. So try to do it on your computer to qualifies on more number of surveys. </span><br />
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span>
<br />
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<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span>
<br />
<h4 style="text-align: left;">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">2. </span><b style="font-family: georgia, "times new roman", serif; font-size: x-large;"><span style="color: #cc0000;">Cash Offers</span></b><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">: </span></h4>
<br />
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">There are so many offers of different offer network available at one place. Some offers are like watching video, shopping, surveys, installing apps, playing games and so on. You can complete any of them to earn extra cash. There are different types of offers available at different time so check back often and do those that suits you. </span><br />
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span>
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://www.ysense.com/?rb=59398033" target="_blank"><img border="0" data-original-height="244" data-original-width="248" src="https://3.bp.blogspot.com/-WMb9fvmm4oI/W622C7ceeMI/AAAAAAAAB8E/rpK6nFOB5_oeMzVVqprkImsaroAM5xqfwCLcBGAs/s1600/Capture.PNG" /></a></div>
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span>
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">For example you need to book flight just check the offer section and book tickets via some flight booking offer by following the instruction. In this way you will get better deals on flight available on internet as well as you get some cash incentive in your Ysense account for booking via Ysense offer section. </span><br />
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span>
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<span style="font-size: large;"><span style="font-family: "georgia" , "times new roman" , serif;"></span></span></div>
<h4 style="text-align: left;">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">3. </span><b style="font-family: georgia, "times new roman", serif; font-size: x-large;"><span style="color: #cc0000;">Tasks</span></b><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">: </span></h4>
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">This one is my favorite and It is another great way to earn cash daily. These tasks don't take much time. At the beginning, it takes some time to learn but once you start doing it on a regular basis you become an expert and complete them quickly. Remember in this tasks your accuracy matters otherwise you will be rejected, then you can try on different tasks. Though it pays in cents like ads but you can make in dollars through your speed and accuracy. Please note that the number of tasks available depends on your location and country. But most of the tasks are open for worldwide. Always check them whenever login to your account and grab it before someone else take it. Read all the instructions carefully before starting the task. Its not hard to earn $5-$10 a day just by doing tasks by dedicating two hours of your time daily. </span><br />
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span>
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Majority of the members on Ysense makes a good amount just through this method and there is no doubt that this is a best option to make regular income on Ysense. </span><br />
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<span style="font-size: large;"><span style="font-family: "georgia" , "times new roman" , serif;">4. <b><span style="color: #cc0000;">Affiliates </span></b>: </span></span></h4>
<span style="font-size: large;"><span style="font-family: "georgia" , "times new roman" , serif;">Another great way of earning is through affiliate marketing. After sign up at <a href="https://www.ysense.com/?rb=59398033" target="_blank">(Ysense)</a>, you will get your affiliate link. To increase your earning you can promote your affiliate link to your friends and relatives. You can also advertise your affiliate link to get more people join through your link. Whenever a person joins through your affiliate link and work on Ysense you will get certain commission and the person joins through you will get the full amount. You will find your affiliate link in the account summary page under your username.</span></span><br />
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<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Now what about redemption of my earning? Well this is not an issue as you are on a genuine platform. Just reach the minimum threshold of $10 and Cashout your earning to the preferred payment option and enjoy. </span><br />
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span>
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Also read <a href="https://www.thehourjob.com/2018/09/payoneer-vs-paypal-alternative-digital-payment-service.html" target="_blank">PayPal vs Payoneer</a></span><br />
<span style="font-size: large;"><span style="font-family: "georgia" , "times new roman" , serif;"><span style="color: #cc0000;"><br /></span></span></span><span style="font-size: large;"><span style="font-family: "georgia" , "times new roman" , serif;"><span style="color: #444444;">So, what you need to do is just complete your daily checklist on account summary page that includes daily surveys, offers and tasks. You are not required to complete all of them but if you complete the minimum daily requirement, you will be awarded with some bonus cash reward added to your account. This is completely a free platform from where you can make good income on monthly basis just dedicating 1-2 hours of your time daily. So what are you waiting for? Join today with the link below and start earning. </span></span></span><br />
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<span style="font-size: large;"><span style="font-family: "georgia" , "times new roman" , serif;"> Join (Ysense) for free by clicking <a href="https://www.ysense.com/?rb=59398033" target="_blank"><b><i>HERE</i></b></a></span></span><br />
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thehourjobhttp://www.blogger.com/profile/14864308772919653185noreply@blogger.com6tag:blogger.com,1999:blog-1761969221554830936.post-14534253847175800922018-09-09T23:12:00.004-07:002018-09-17T06:59:32.294-07:006 Common Mistakes to Avoid in Intraday Trading<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="color: #444444; font-family: "georgia" , "times new roman" , serif; font-size: large;"><span style="color: black;">This article is all about mistakes in Intraday trading. In this article, you can learn Intraday trading secrets from
the viewpoint of changes that you should bring in your style of trading.</span><o:p></o:p></span></div>
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<span style="font-size: large;"><span style="color: #444444; font-family: "georgia" , "times new roman" , serif;">This article not only states the errors that
we commit in day trading, but also advises on how to avoid them.</span></span><br />
<a name='more'></a><span style="color: #444444; font-family: "georgia" , "times new roman" , serif; font-size: large;"><o:p></o:p></span></div>
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<a href="https://4.bp.blogspot.com/-cYbyCOffdsE/W5YJqDBnBRI/AAAAAAAABxQ/u2ZcJ3eDVtk_Jml-7DMHi-xPPqbgmU98gCLcBGAs/s1600/pexels-photo-905869.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><span style="color: #444444; font-family: "georgia" , "times new roman" , serif;"><img alt="6 Common Mistakes to Avoid in Intraday Trading, stock trading Mistakes to Avoid in Intraday Trading, share trading, trading mistakes, stock broker, share broker, best trading style, " border="0" data-original-height="426" data-original-width="640" src="https://4.bp.blogspot.com/-cYbyCOffdsE/W5YJqDBnBRI/AAAAAAAABxQ/u2ZcJ3eDVtk_Jml-7DMHi-xPPqbgmU98gCLcBGAs/s1600/pexels-photo-905869.jpeg" title="6 Common Mistakes to Avoid in Intraday Trading" /></span></a></div>
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<span style="font-size: large;"><span style="color: #444444; font-family: "georgia" , "times new roman" , serif;"><br /></span></span></div>
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<span style="color: #444444; font-family: "georgia" , "times new roman" , serif;"><b style="color: #444444;"><span style="color: black;"><o:p><span style="font-size: large;"> </span></o:p></span></b><b><span style="font-size: large;"><span style="color: #444444;">(1). </span><span style="color: #990000;">The
first mistake to avoid in Intraday trading is to avoid trading within 5 minutes
of logging in your trading account.</span></span></b></span></div>
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<span style="color: #444444; font-family: "georgia" , "times new roman" , serif; font-size: large;"><o:p></o:p></span></div>
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<span style="color: #444444; font-family: "georgia" , "times new roman" , serif; font-size: large;"><span style="color: black;">What happens is that you are eager to trade
when you log in. To suit yourself, you scan through short term price action of
your favorite stock. If you do not get a suitable entry point in that chart,
you scan through even smaller time frames.</span><o:p></o:p></span></div>
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<span style="color: #444444; font-family: "georgia" , "times new roman" , serif;"><br /></span></div>
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<span style="color: #444444; font-family: "georgia" , "times new roman" , serif; font-size: large;"><span style="color: black;">Even then your brain alerts you on entering
at a wrong price level.So you start searching for entry points in other stocks.</span><o:p></o:p></span></div>
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<span style="color: #444444; font-family: "georgia" , "times new roman" , serif;"><br /></span></div>
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<span style="color: #444444; font-family: "georgia" , "times new roman" , serif; font-size: large;"><span style="color: black;">Finally, you find the price of a stock at 5
minutes high or low. And you jump the gun i.e. you acquire or sell the script.</span><o:p></o:p></span></div>
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<span style="color: #444444; font-family: "georgia" , "times new roman" , serif;"><br /></span></div>
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<span style="color: #444444; font-family: "georgia" , "times new roman" , serif; font-size: large;"><span style="color: black;">But then the price keeps going lower or
higher.</span><o:p></o:p></span></div>
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<span style="color: #444444; font-family: "georgia" , "times new roman" , serif;"><br /></span></div>
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<span style="color: #444444; font-family: "georgia" , "times new roman" , serif; font-size: large;"><span style="color: black;">So, what was wrong, you would ask. After all,
you entered the trade at 5 mins high or low.</span><o:p></o:p></span></div>
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<span style="color: #444444; font-family: "georgia" , "times new roman" , serif; font-size: large;"><span style="color: black;">The mistake that you made in this case, would
have been evident to you, had checked the charts with a longer time horizon,
patiently. Instead, you went on for the shortcut, the shorter time frames.</span><o:p></o:p></span></div>
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<span style="color: #444444; font-family: "georgia" , "times new roman" , serif; font-size: large;"><span style="color: black;">In such cases, you will find that although
you your positions are at intraday low or high, they may at opposite positions,
chartwise, when you view them at 6 months or one year perspective. </span><o:p></o:p></span></div>
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<span style="color: #444444; font-family: "georgia" , "times new roman" , serif; font-size: large;"><span style="color: black;">What seemed as a intraday low and a buying opportunity,
was actually a top in when viewed from 6 months horizon. No wonder the price
kept on sliding, after you bought the script.</span><o:p></o:p></span></div>
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<span style="color: #444444; font-family: "georgia" , "times new roman" , serif;"><br /></span></div>
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<b style="mso-bidi-font-weight: normal;"><span style="color: black;"><span style="color: #444444; font-family: "georgia" , "times new roman" , serif; font-size: large;">(2). </span><span style="color: #990000; font-family: "georgia" , "times new roman" , serif; font-size: large;">Over-
trade/Excessive trade</span></span></b></h3>
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<span style="color: #444444; font-family: "georgia" , "times new roman" , serif; font-size: large;"><o:p></o:p></span></div>
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<span style="color: #444444; font-family: "georgia" , "times new roman" , serif;"><br /></span></div>
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<span style="color: #444444; font-family: "georgia" , "times new roman" , serif; font-size: large;"><span style="color: black;">You take a position not by it's own merit but
because you were bored to death for the last fourty-five minutes, looking
expectantly at the screen but doing nothing. So, you bought shares worth ten to
fifteen thousand to basically entertain yourself, knowing that the buying price
was not right.</span><o:p></o:p></span></div>
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<span style="color: #444444; font-family: "georgia" , "times new roman" , serif;"><br /></span></div>
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<span style="color: #444444; font-family: "georgia" , "times new roman" , serif; font-size: large;"><span style="color: black;">Excuse me, but is this the same person who
spent thirty minutes that very morning, haggling with vendors for a rupees five
cut, while buying vegetables?</span><o:p></o:p></span></div>
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<span style="color: #444444; font-family: "georgia" , "times new roman" , serif;"><br /></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: #444444; font-family: "georgia" , "times new roman" , serif; font-size: large;"><span style="color: black;">Next, we come to one of most common trading
mistakes.</span><o:p></o:p></span></div>
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<span style="color: #444444; font-family: "georgia" , "times new roman" , serif;"><br /></span></div>
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<b style="mso-bidi-font-weight: normal;"><span style="color: black;"><span style="color: #444444; font-family: "georgia" , "times new roman" , serif; font-size: large;">(3). </span><span style="color: #990000; font-family: "georgia" , "times new roman" , serif; font-size: large;">One of
the pitfalls of Intraday trading is over-involvement in trading.</span></span></b></h3>
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<span style="color: #444444; font-family: "georgia" , "times new roman" , serif; font-size: large;"><o:p></o:p></span></div>
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<span style="color: #444444; font-family: "georgia" , "times new roman" , serif;"><br /></span></div>
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<span style="color: #444444; font-family: "georgia" , "times new roman" , serif; font-size: large;"><span style="color: black;">This occurs when repeat the same trade,
without any profitable result, at almost the same price. In this type of trade,
the only benefactor is the broker. He makes profit out of your trading volume.
The reward you get in this case is the increase in your acquisition price and
hence lesser profit when you liquidate.</span><o:p></o:p></span></div>
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<span style="color: #444444; font-family: "georgia" , "times new roman" , serif;"><br /></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: #444444; font-family: "georgia" , "times new roman" , serif; font-size: large;"><span style="color: black;">How do you get<span style="mso-spacerun: yes;"> </span>over-involved <span style="mso-spacerun: yes;"> </span>and what happens due to it?</span><o:p></o:p></span></div>
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<span style="color: #444444; font-family: "georgia" , "times new roman" , serif;"><br /></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black;"><span style="color: #444444; font-family: "georgia" , "times new roman" , serif; font-size: large;">Let's say you buy a script. Instead of
letting it go and relaxing you start following the price thereafter all the
time. <o:p></o:p></span></span></div>
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<span style="color: #444444; font-family: "georgia" , "times new roman" , serif;"><br /></span></div>
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<span style="color: #444444; font-family: "georgia" , "times new roman" , serif; font-size: large;"><span style="color: black;">Obviously, the price would not move in a
linear fashion, upwards. The price zig zags and comes below your buying price.
You think you were wrong in taking position at that price. You square off the
position, sometimes at par, other times at a loss <span style="mso-spacerun: yes;"> </span>Now you wait patiently for price to come down
below your previous acquisition price.</span><o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: #444444; font-family: "georgia" , "times new roman" , serif;"><br /></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: #444444; font-family: "georgia" , "times new roman" , serif; font-size: large;"><span style="color: black;">Alas, it does not happen. Price thereafter
never comes back to that lower level that you had envisaged.</span><o:p></o:p></span></div>
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<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: #444444; font-family: "georgia" , "times new roman" , serif;"><br /></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: #444444; font-family: "georgia" , "times new roman" , serif; font-size: large;"><span style="color: black;">Now realizing your mistake, you again buy
back those same quantity. In all probability, this time the buying price will
be slightly higher than the last time. So, you bought the same quantity at
almost same price two times, but will be able to sell it once. That translates
to twice the brokerage and other charges during buy. You net acquisition cost
increases.</span><o:p></o:p></span></div>
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<span style="color: #444444; font-family: "georgia" , "times new roman" , serif;"><br /></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: #444444; font-family: "georgia" , "times new roman" , serif; font-size: large;"><span style="color: black;">Who benefited from this action? Obviously the
broker, who is all smiles with this additional volume and brokerage.</span><o:p></o:p></span></div>
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<span style="color: #444444; font-family: "georgia" , "times new roman" , serif;"><br /></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: #444444; font-family: "georgia" , "times new roman" , serif; font-size: large;"><span style="color: black;">Why did this happen. All because you stuck to
the screen following the price movement every minute. </span><o:p></o:p></span></div>
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<span style="color: #444444; font-family: "georgia" , "times new roman" , serif;"><br /></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: #444444; font-family: "georgia" , "times new roman" , serif; font-size: large;"><span style="color: black;">After taking position in a planned and
confident manner and knowing the levels at which you are going to sell it off,
do not let your greed liquidate that position for better levels. Stick to the
trade you have done with a plan in place.</span><o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: #444444; font-family: "georgia" , "times new roman" , serif;"><br /></span></div>
<h3 style="line-height: normal; margin-bottom: 0.0001pt; text-align: left;">
<b style="mso-bidi-font-weight: normal;"><span style="color: black;"><span style="color: #444444; font-family: "georgia" , "times new roman" , serif; font-size: large;">(4). </span><span style="color: #990000; font-family: "georgia" , "times new roman" , serif; font-size: large;">Shifting
of Targets is another cause of loss in Intraday trading.</span></span></b></h3>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: #444444; font-family: "georgia" , "times new roman" , serif; font-size: large;"><o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: #444444; font-family: "georgia" , "times new roman" , serif;"><br /></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: #444444; font-family: "georgia" , "times new roman" , serif; font-size: large;"><span style="color: black;">When you transact, you normally have a plan
as to the price at which you will liquidate your position, with profit. This is
known as the target price.</span><o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: #444444; font-family: "georgia" , "times new roman" , serif;"><br /></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black;"><span style="color: #444444; font-family: "georgia" , "times new roman" , serif; font-size: large;">Sometimes it so happens, your dream comes
true too fast. The price reaches your target soon and smashes through it. Everybody
covinces you that the price will rise further. <o:p></o:p></span></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: #444444; font-family: "georgia" , "times new roman" , serif;"><br /></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black;"><span style="color: #444444; font-family: "georgia" , "times new roman" , serif; font-size: large;">Remember crude oil reaching almost 150
dollars! <o:p></o:p></span></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: #444444; font-family: "georgia" , "times new roman" , serif;"><br /></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: black;"><span style="color: #444444; font-family: "georgia" , "times new roman" , serif; font-size: large;">Thereafter, your mental target shifts to a
higher level than actually planned. You do not square off, even at profit as
previously envisaged.<o:p></o:p></span></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: #444444; font-family: "georgia" , "times new roman" , serif;"><br /></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: #444444; font-family: "georgia" , "times new roman" , serif; font-size: large;"><span style="color: black;">Incredulously, the price suddenly crashes,
and leave alone the target price, it slides below your acquisition price.</span><o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: #444444; font-family: "georgia" , "times new roman" , serif;"><br /></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: #444444; font-family: "georgia" , "times new roman" , serif; font-size: large;"><span style="color: black;">Remember, crude thereafter crashing to 35
dollars per barrel.</span><o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: #444444; font-family: "georgia" , "times new roman" , serif;"><br /></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: #444444; font-family: "georgia" , "times new roman" , serif; font-size: large;"><span style="color: black;">So, from a position of profit, you suddenly
look at a pile of loss, all because you did not sell at the pre-target price,
instead setting the bar higher.</span><o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: #444444; font-family: "georgia" , "times new roman" , serif;"><br /></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: #444444; font-family: "georgia" , "times new roman" , serif; font-size: large;"><span style="color: black;">Morale is, when at profit, take it off the
table, at least partially. Do not salivate for more. </span><o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: #444444; font-family: "georgia" , "times new roman" , serif;"><br /></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: #444444; font-family: "georgia" , "times new roman" , serif; font-size: large;"><span style="color: black;">In the rules to follow for intraday trading,
one law sticks out from the rest.</span><o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: #444444; font-family: "georgia" , "times new roman" , serif;"><br /></span></div>
<h3 style="line-height: normal; margin-bottom: 0.0001pt; text-align: left;">
<b style="mso-bidi-font-weight: normal;"><span style="color: black;"><span style="color: #444444; font-family: "georgia" , "times new roman" , serif; font-size: large;">(5). </span><span style="color: #990000; font-family: "georgia" , "times new roman" , serif; font-size: large;">Do not
over-leverage. </span></span></b></h3>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: #444444; font-family: "georgia" , "times new roman" , serif; font-size: large;"><o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: #444444; font-family: "georgia" , "times new roman" , serif;"><br /></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: #444444; font-family: "georgia" , "times new roman" , serif; font-size: large;"><span style="color: black;">More than cash market, this becomes more
important in derivatives. Even legend like Warren Buffet admits that derivatives
is a sure shot way for destruction of wealth.</span><o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: #444444; font-family: "georgia" , "times new roman" , serif;"><br /></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: #444444; font-family: "georgia" , "times new roman" , serif; font-size: large;"><span style="color: black;">In future, you can buy one lot ( quantity
running to hundreds in one lot of that script in futures ) of a derivative
script with only 5-7 % of the total money, as upfront payment from your taking
account. </span><o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: #444444; font-family: "georgia" , "times new roman" , serif;"><br /></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: #444444; font-family: "georgia" , "times new roman" , serif; font-size: large;"><span style="color: black;">Say, you have a total amount of fifteen
thousand in your account. You buy a lot of any script which costs about r(margin
money) rupees eight thousand. That means eight thousand is debited from your
account at the time of buying that script in future.</span><o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: #444444; font-family: "georgia" , "times new roman" , serif;"><br /></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: #444444; font-family: "georgia" , "times new roman" , serif; font-size: large;"><span style="color: black;">However, if the price of that script moves
adversely, soon you will face the prospect of about one-two thousand rupees
getting debited pretty soon as MTM or market to market loss. This happens
because the profit or loss is calculated on the whole lot, which again runs
into not one but maybe hundreds of more quantity of that item.</span><o:p></o:p></span></div>
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<br />
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: #444444; font-family: "georgia" , "times new roman" , serif;"><br /></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: #444444; font-family: "georgia" , "times new roman" , serif; font-size: large;"><span style="color: black;">This effectively means that, if one item of
the lot rises by one rupee, and the lot is composed of 500 shares of that item,
one lot of that item will rise by 500 rupees. </span><o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: #444444; font-family: "georgia" , "times new roman" , serif;"><br /></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: #444444; font-family: "georgia" , "times new roman" , serif; font-size: large;"><span style="color: black;">Imagine the situation, when you have short
sold a futures, thinking you will but it at lower levels, but instead moves up
by 10 rupees. That's Rs 10 * 500 (for one lot), a loss of 5000 rupees.</span><o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: #444444; font-family: "georgia" , "times new roman" , serif;"><br /></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: #444444; font-family: "georgia" , "times new roman" , serif; font-size: large;"><span style="color: black;">And if the situation or your luck gets
particularly bad, it can occur in the same day or worries an hour.</span><o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: #444444; font-family: "georgia" , "times new roman" , serif;"><br /></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: #444444; font-family: "georgia" , "times new roman" , serif; font-size: large;"><span style="color: black;">You panic. Naturally, with eight thousand blocked
as margin for buying/ selling a lot, only seven thousand of free cash remains
in your account, and a particularly heavy adverse movement and consequent loss
is all that's required to bring your trading account networth to zero.</span><o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: #444444; font-family: "georgia" , "times new roman" , serif;"><br /></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: #444444; font-family: "georgia" , "times new roman" , serif; font-size: large;"><span style="color: black;">Fearing uncertain future, and inability to
put in more capital, you liquidate your futures position at a heavy loss
intraday. Your account networth becomes half of what it was at the start.</span><o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: #444444; font-family: "georgia" , "times new roman" , serif;"><br /></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: #444444; font-family: "georgia" , "times new roman" , serif; font-size: large;"><span style="color: black;">To avoid this predicament, do not take over
leveraged positions, especially when your total balance is bare minimum with
reference to the positions you take. Your broker gives this facility to induce
you to trade in futures. He will not help you when your account balance slides
towards the black hole.</span><o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: #444444; font-family: "georgia" , "times new roman" , serif;"><br /></span></div>
<h3 style="line-height: normal; margin-bottom: 0.0001pt; text-align: left;">
<b style="mso-bidi-font-weight: normal;"><span style="color: black;"><span style="color: #444444; font-family: "georgia" , "times new roman" , serif; font-size: large;">(6). </span><span style="color: #990000; font-family: "georgia" , "times new roman" , serif; font-size: large;">Have a
benchmark and plan ready before you take a position.</span></span></b></h3>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: #444444; font-family: "georgia" , "times new roman" , serif; font-size: large;"><o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: #444444; font-family: "georgia" , "times new roman" , serif;"><br /></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: #444444; font-family: "georgia" , "times new roman" , serif; font-size: large;"><span style="color: black;">Think of it. In absence of any benchmark or
target, how will you decide when to take profit off the table? Or how to trade
if the situation gets better or worse? What will be your line of action if the
price rises steadily once you buy? </span><o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: #444444; font-family: "georgia" , "times new roman" , serif;"><br /></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: #444444; font-family: "georgia" , "times new roman" , serif; font-size: large;"><span style="color: black;">After all, you are an intraday trader and not
an investor, who keeps the shares irrespective of it's rise or fall in a short
time span.</span><o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: #444444; font-family: "georgia" , "times new roman" , serif;"><br /></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<b style="mso-bidi-font-weight: normal;"><span style="color: black;"><span style="color: #444444; font-family: "georgia" , "times new roman" , serif; font-size: large;">Conclusion</span></span></b></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;">
<span style="color: #444444; font-family: "georgia" , "times new roman" , serif; font-size: large;"><span style="color: black;">The above points are counted among the main
pitfalls of day trading. Few points remain to be discussed, which will be done
in the next part of this article.</span><o:p></o:p></span></div>
<br /></div>
thehourjobhttp://www.blogger.com/profile/14864308772919653185noreply@blogger.com0tag:blogger.com,1999:blog-1761969221554830936.post-67333178920672128812018-09-02T23:42:00.002-07:002018-09-03T06:06:51.600-07:00What is Startup India and Stand up India? <div dir="ltr" style="text-align: left;" trbidi="on">
<div style="line-height: normal; text-align: left;">
</div>
<h3 style="line-height: normal; text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Startup
India and Stand up India</span></b></h3>
<div class="MsoNormal" style="line-height: normal; text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium;"><br /></span></b></div>
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;">
<div style="text-align: left;">
<span style="font-size: small;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Start-up
India and Stand-up India are the Indian government initiatives introduced to nurture
innovation. Both the programs are
designed to create a strong eco-system for the Startups and give wings to the budding entrepreneurs in the country. Through these initiatives the
government aims to generate opportunities for large scale employment, while
achieving sustainable economic growth and empowering Startups.</span></span></div>
<a name='more'></a><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium;"><o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;">
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium;"><br /></span></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://1.bp.blogspot.com/-GHYRH2Y7aqc/W4zqVrDWLpI/AAAAAAAABv8/IOvYi3ROLKE9-4FKS9gbG7dVhMsbENFPwCLcBGAs/s1600/startup-photo_50.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium;"><img alt="ups india, government loan for business startup in india, Stand up India, list of startups in india, business to start in india, startup india in hindi, startup india loan, start up india scheme, Startup, Startup India and Stand up India, Stand up India, start up india scheme, startup india" border="0" data-original-height="427" data-original-width="640" height="426" src="https://1.bp.blogspot.com/-GHYRH2Y7aqc/W4zqVrDWLpI/AAAAAAAABv8/IOvYi3ROLKE9-4FKS9gbG7dVhMsbENFPwCLcBGAs/s640/startup-photo_50.jpg" title="Startup India and Stand up India" width="640" /></span></a></div>
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;">
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium;"><br /></span></div>
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;">
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium;"><br /></span></div>
<h3 style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><u>Difference between Start-Up and Stand-Up India </u></span></b></h3>
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium;"><br /></span></b></div>
<div class="MsoNormal" style="line-height: normal; text-align: justify;">
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: small;"><span class="ilfuvd" style="font-size: large;">Start Up</span><span class="ilfuvd"><span style="font-size: large;"> India scheme promotes new
initiatives and ventures. Whereas <span style="mso-bidi-font-weight: bold;">Stand
Up</span> India Scheme is designed for promoting entrepreneurship among
aspiring Women and SC/ST entrepreneurs. <span style="mso-bidi-font-weight: bold;">Stand
up</span> India is one of the core parts of <span style="mso-bidi-font-weight: bold;">Start-up</span> India scheme in order to encourage the individuals to
bring their ideas to life.</span><span style="font-size: medium;"><o:p></o:p></span></span></span></div>
<div class="MsoNormal" style="line-height: normal; text-align: justify;">
<span class="ilfuvd"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium;"><br /></span></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><i style="mso-bidi-font-style: normal;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium;">Are you looking
forward to launch a Startup or already have one? YES? <o:p></o:p></span></i></b></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;">
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium;"><br /></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><i style="mso-bidi-font-style: normal;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium;">Then this 10 minutes
read could prove out to be your best guide!<o:p></o:p></span></i></b></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;">
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium;"><br /></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><i style="mso-bidi-font-style: normal;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium;">Read on…<o:p></o:p></span></i></b></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;">
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium;"><br /></span></div>
<h3 style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-large;"><u>Start-up India Scheme </u></span></b></h3>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium;"><br /></span></b></div>
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;">
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: small;"><span style="font-size: large;">This
scheme allows the start-up owners to leverage the exemptions, learning program,
knowledge and various tools to gear up their startup journey. </span><span style="font-size: medium;"><o:p></o:p></span></span></div>
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;">
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium;"><br /></span></div>
<h4 style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;">
<b><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Features
of Start-Up India-</span></b></h4>
<div>
<ul style="text-align: left;">
<li><span style="font-size: large;">Single
Window Clearance using a mobile application</span></li>
<li><div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<span style="font-size: large;">Deduction in patent registration fee up
to 80%<o:p></o:p></span></div>
</li>
<li><div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
</div>
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<span style="font-size: large;">Funds valuing up to INR 10,000 crore</span></div>
</li>
<li><div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<span style="font-size: large;"> <o:p></o:p>Atal Innovation Mission Innovation hub for
easy working </span></div>
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<span style="font-size: large;"><o:p></o:p></span></div>
</li>
<li><div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
</div>
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">
<span style="font-size: large;">Self-certification compliance</span><span style="font-size: 12pt;"><o:p></o:p></span></div>
</li>
</ul>
</div>
<div>
</div>
<h4 style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-outline-level: 3; text-align: justify;">
<b><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Who can benefit from start-up India scheme?</span></b></h4>
<script async="" src="//pagead2.googlesyndication.com/pagead/js/adsbygoogle.js"></script>
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(adsbygoogle = window.adsbygoogle || []).push({});
</script>
<br />
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-outline-level: 3; text-align: justify;">
<b><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium;"><br /></span></b></div>
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-outline-level: 3; text-align: justify;">
<div style="text-align: left;">
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">The scheme is designed for the
entities registered/incorporated in India holding the following features-</span></div>
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><br /></span>
<br />
<ol>
<li><span style="font-size: large;">Less
than 7 years old (from the date of registration/incorporation).</span></li>
<li><span style="font-size: large;">It
should be registered as a private limited company or as a limited liability
partnership/ partnership firm.</span></li>
<li><span style="font-size: large;">The
annual turnover should be less than Rs. 25 crore ( this takes into
consideration all the financial years since its incorporation/registration).</span></li>
<li><span style="font-size: large;">The
firm should be working towards improvement, innovation, or development of services/products/processes.</span></li>
<li><span style="font-size: large;">It
should have a scalable business model that can potentially generate employment possibilities
and lead towards wealth creation.</span></li>
</ol>
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-left: .25in; mso-list: l2 level1 lfo8; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify; text-indent: -.25in;">
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium;"><br /></span></div>
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-outline-level: 3; text-align: justify;">
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium;"><i style="mso-bidi-font-style: normal;">The above
definition is accorded by the DIPP (Department of Industrial Policy
& Promotion)</i><i style="mso-bidi-font-style: normal;">.<o:p></o:p></i></span></div>
<h3 style="text-align: justify;">
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"><span style="font-size: large;"><a href="https://www.blogger.com/null" name="section-1"></a><a href="https://www.blogger.com/null" name="section-2"></a></span><span style="font-family: "calibri" , sans-serif;"><span style="font-size: large;">Highlights of Start-up India
Scheme </span><span style="font-size: small;"><o:p></o:p></span></span></span></h3>
<ul type="disc">
<li class="MsoNormal" style="line-height: normal; mso-list: l4 level1 lfo2; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-align: justify;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><a href="https://www.blogger.com/null" name="section-3"></a><b>Self-Certification</b> <b><span style="mso-bidi-font-style: italic;">Compliance
</span></b>– This scheme facilitates the Startups with self-certification
compliance with the 9 environment and labour laws. However, it can be achieved
only through the official mobile app. Start-ups will be free from
inspection for 3 years in case of the labour laws, whereas in case of
environment laws random checks would be conducted. <o:p></o:p></span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l4 level1 lfo2; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-align: justify;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><b>Startup
ecosystem for nurturing talents</b>-
Startup <span style="mso-bidi-font-style: italic; mso-bidi-font-weight: bold;">India
Hub</span> has created a Startup ecosystem for the aspirants to exchange
their knowledge with others. It also offers the benefit of easy access to
funding. <o:p></o:p></span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l4 level1 lfo2; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-align: justify;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><b>Interaction
through Mobile App </b>– The
official startup app serves as an easy mode for interacting with Regulatory
Institutions and the Government for business related queries. It allows
the stakeholders to exchange necessary information. <o:p></o:p></span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l4 level1 lfo2; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-align: justify;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><b>Low
cost Patent Examination </b>– The
Start-up India scheme, facilitates the start-ups to file any number of
designs, trademarks or patents and the cost shall be borne by the Central
Government. However, Startups shall bear the statutory fees. Moreover,
there is 80% rebate for the Startups to file the patents.<o:p></o:p></span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l4 level1 lfo2; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-align: justify;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><b>Friendly
norms for start-ups to execute their ideas/project- </b>Government shall exempt the manufacturing sector Startups
from the criteria of turnover/prior experience without letting them
compromise with technical parameters or quality standards</span><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium;">. <o:p></o:p></span></li>
</ul>
<h3 style="line-height: normal; text-align: justify;">
<span style="color: windowtext; font-family: "calibri" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Incentives and Funding
Benefits</span></span></h3>
<h4 style="line-height: normal; text-align: justify;">
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium;"><a href="https://www.blogger.com/null" name="section-4"></a></span></h4>
<ul type="disc">
<li class="MsoNormal" style="line-height: normal; mso-list: l7 level1 lfo3; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-align: justify;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><b>Providing
INR 10,000 crore</b> <b style="mso-bidi-font-weight: normal;">( as initial corpus)</b> <b><span style="mso-bidi-font-style: italic;">funding support </span></b>- Government
has set up funds amounting to total corpus of INR 10,000 crore, which
shall be invested into the start-ups over a period 4 years. The investment
will not be done directly but through SEBI registered Venture Funds.<o:p></o:p></span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l7 level1 lfo3; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-align: justify;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><b>Tax
Exemption on government recognized Capital Gains</b> – Start-up India scheme shall facilitate the
start-ups with exemption on the capital gains of the financial year. But
this is applicable only on the capital gains earned through the funds
recognized by the Indian Government.<o:p></o:p></span></li>
<li class="MsoNormal" style="line-height: normal; mso-list: l7 level1 lfo3; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; tab-stops: list .5in; text-align: justify;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: small;"><span style="font-size: large;"><b>Tax
Exemption for 3 years</b> - The
profits earned by the Startups shall be exempted from income-tax up to 3
years since the year of its commencement of business. However, the
start-ups aren’t allowed to distribute dividend for the given period.</span><span style="font-size: medium;"><o:p></o:p></span></span></li>
</ul>
<h3 style="line-height: normal; text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-large;"><u>Stand up
India Scheme</u></span></b></h3>
<div class="MsoNormal" style="line-height: normal; text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium;"><br /></span></b></div>
<div class="MsoNormal" style="line-height: normal; text-align: justify;">
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: small;"><span style="font-size: large;">This scheme aims at boosting entrepreneurship ideas of the scheduled
castes/tribes and women. The Stand-up
India Scheme<b style="mso-bidi-font-weight: normal;"> </b>is managed by Government
of India, Ministry of Finance, and Department of Financial Services (DFS).</span><b style="font-size: large;"><o:p></o:p></b></span></div>
<div class="MsoNormal" style="line-height: normal; text-align: justify;">
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium;"><br /></span></div>
<h3 style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Features of Stand-up India Scheme </span></b></h3>
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium;"><br /></span></b></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: normal; margin-left: 0.25in; text-align: left; text-indent: -0.25in;">
<div style="text-align: left;">
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: small;"><span style="font-family: "symbol";"><span style="mso-list: Ignore;"><span style="font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"><span style="font-size: medium;">1. </span><span style="font-size: large;"> </span></span></span></span><span style="font-size: large;">Stand-Up India Scheme
facilitates bank loans between Rs 10 lakh and Rs 100 lakh to at least one
Scheduled Caste (SC) or Scheduled Tribe (ST) borrower and at least one woman
borrower per bank branch for setting up a greenfield enterprise. <o:p></o:p></span></span></div>
<div style="text-align: left;">
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><br /></span></div>
</div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-left: 0.25in; text-align: left; text-indent: -0.25in;">
<div style="text-align: left;">
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">2. For setting up a new
enterprise in manufacturing, trading or services sector by SC/ST/Women entrepreneur. <o:p></o:p></span></div>
<div style="text-align: left;">
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><br /></span></div>
</div>
<div class="MsoListParagraphCxSpLast" style="line-height: normal; margin-left: 0.25in; text-align: left; text-indent: -0.25in;">
<div style="text-align: left;">
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: small;"><span style="font-size: large;">3. SA credit guarantee
system would also be implemented under the scheme through the National Credit
Guarantee Trustee Company (NCGTC), which will act as the operating agency for
financial aids.</span><span style="font-size: medium;"><o:p></o:p></span></span></div>
</div>
<div class="MsoListParagraphCxSpLast" style="line-height: normal; margin-left: 0.25in; text-align: left; text-indent: -0.25in;">
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium;"><br /></span></div>
<h4 style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;">
<b><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Who
can benefit from Stand-up India Scheme? </span></b></h4>
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;">
<br />
<ul>
<li><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Woman and/or SC/ST entrepreneurs, aging 18 years or above.</span></li>
<li><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">This scheme grants loans only for green field projects (i.e.
the beneficiary’s first time venture in the trading/manufacturing/services sector).</span></li>
<li><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Non-individual enterprises with 51% of the controlling stake
and shareholding held by either Women Entrepreneur or SC/ST.</span></li>
<li><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Applicant shouldn’t be a defaulter in any financial
institution/bank.</span></li>
</ul>
</div>
<div class="MsoNormal" style="line-height: normal; margin-left: 0.25in; text-align: left; text-indent: -0.25in;">
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium;"><br /></span></div>
<h3 style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-outline-level: 3; text-align: justify;">
<b><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Details of loan provided under Stand-up India Scheme</span></b></h3>
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-outline-level: 3; text-align: justify;">
<b><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium;"><br /></span></b></div>
<div class="MsoNormal" style="line-height: normal; margin-left: 0.25in; text-align: left; text-indent: -0.25in;">
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><span style="font-family: "symbol";"><span style="mso-list: Ignore;"><span style="font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">1. </span></span></span><b>Loan size</b> – The amount of loan shall cover 75% of the project’s cost.
However, this condition wouldn’t apply if the contribution of the borrower and
convergence support from other schemes amounts to 25% of the project’s total cost.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-left: 0.25in; text-align: left; text-indent: -0.25in;">
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">2. <b>Security</b> - The loan’s security is guaranteed by the Credit Guarantee
Fund Scheme or by collateral security rules laid up for Stand-Up India Loans.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-left: 0.25in; text-align: left; text-indent: -0.25in;">
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;"><span style="font-family: "symbol";"><span style="mso-list: Ignore;"><span style="font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">3. </span></span></span><!--[endif]--><b>Working Capital</b> - Working capital amounting to INR 10 lakh shall be
sanctioned through overdraft. Any amount ranging over 10 lakh will be
sanctioned through Cash Credit limit.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-left: 0.25in; text-align: left; text-indent: -0.25in;">
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">4. <b>Repayment</b> - Borrower needs to repay the loan within 7 years since the
grant date. Maximum moratorium period - 18 months.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; margin-left: 0.25in; text-align: left; text-indent: -0.25in;">
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">5. <b>Margin Money </b>– The borrower needs to bring in at least 10% of the
project’s total cost, while the Scheme will envisage 25% margin money which
will be in convergence with eligible State / Central schemes. <b><o:p></o:p></b></span></div>
<div class="MsoNormal" style="line-height: normal; margin-left: 0.25in; text-align: left; text-indent: -0.25in;">
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: small;"><span style="font-size: large;">6. <b>Rate</b> <b style="mso-bidi-font-weight: normal;">of</b> <b>Interest </b>–
The interest rate depends on the project’s category. It will account to the lowest
applicable rate and shall not exceed the sum of 3% tenor premium and base rate
(MCLR).</span><b style="font-size: large;"><o:p></o:p></b></span></div>
<div class="MsoNormal" style="line-height: normal; margin-left: .25in; mso-list: l1 level1 lfo4; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-outline-level: 3; tab-stops: list .25in; text-align: justify; text-indent: -.25in;">
<div style="text-align: left;">
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium;"><br /></span></div>
</div>
<h3 style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-outline-level: 3; text-align: justify;">
<b><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">How to apply for loans under Stand-up India Scheme? </span></b></h3>
<script async="" src="//pagead2.googlesyndication.com/pagead/js/adsbygoogle.js"></script>
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(adsbygoogle = window.adsbygoogle || []).push({});
</script>
<br />
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-outline-level: 3; text-align: justify;">
<b><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium;"><br /></span></b></div>
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;">
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Borrowers
can reach out to any branch of the Scheduled Commercial Banks to fund their
start-up through <span style="mso-bidi-font-weight: bold;">Stand-up India s</span>cheme.
They can either visit the branch directly or through Lead District Manager
((LDM) or Stand-Up India portal. <o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; text-align: justify;">
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium;"><br /></span></div>
<h4 style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-outline-level: 3; text-align: justify;">
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: small;"><span style="font-size: large;"><b style="mso-bidi-font-weight: normal;">Documents required</b> <b>for Stand- Up India loan Application</b></span><span style="font-size: medium;"><o:p></o:p></span></span></h4>
<div class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto; mso-outline-level: 3; text-align: justify;">
<br />
<ol>
<li><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Identity proof- PAN Card/Voter’s ID Card / Driving License /
Passport</span></li>
<li><span style="text-align: left; text-indent: -0.25in;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Address proof of business</span></span></li>
<li><span style="text-align: left; text-indent: -0.25in;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Address Proof of residence- Passport/ Recent electricity
bill / telephone bills / voter ID Card of Proprietor or Director’s partner/
property tax receipt</span></span></li>
<li><span style="text-align: left; text-indent: -0.25in;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Company’s Partnership Deed of partners/ Articles of
association and Memorandum of association.</span></span></li>
<li><span style="text-align: left; text-indent: -0.25in;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">MSME/ SSI registration if necessary.</span></span></li>
<li><span style="text-align: left; text-indent: -0.25in;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Photocopies of title deeds/lease deeds of all the properties
that are offered as collateral and primary securities.</span></span></li>
<li><span style="text-align: left; text-indent: -0.25in;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Proof for establishing whether the borrower belongs to the
eligible Category (SC/ST/Woman).</span></span></li>
<li><span style="text-align: left; text-indent: -0.25in;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Certificate of incorporation issues by the ROC for establishing
whether the majority stake of the holding company is in the name of a person belonging
to Women/ SC/ST category.</span></span></li>
</ol>
</div>
<br /></div>
thehourjobhttp://www.blogger.com/profile/14864308772919653185noreply@blogger.com0tag:blogger.com,1999:blog-1761969221554830936.post-57529849787998057472018-09-02T01:11:00.001-07:002018-09-04T23:49:27.740-07:00A practical guide to Payoneer vs PayPal global payment service<div dir="ltr" style="text-align: left;" trbidi="on">
<br />
<h3 style="text-align: left;">
<span style="font-size: large;"><b style="mso-bidi-font-weight: normal;"><span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><u>Let's</u></span></b><b style="mso-bidi-font-weight: normal;"><span style="mso-ansi-language: EN-US;"><u> <span style="mso-no-proof: yes;">Talk</span> about <span style="mso-no-proof: yes;">Payoneer</span>
Payment solution</u><o:p></o:p></span></b></span></h3>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="mso-ansi-language: EN-US;"><span style="font-size: large;"><br /></span></span></b></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US;"><span style="font-size: large;">In <span style="mso-no-proof: yes;">India,</span> Payoneer is <span style="mso-no-proof: yes;">primarily</span> used as payment receiving channel for services exported
outside the country. Outside India, <span style="mso-no-proof: yes;">Payoneer</span>
payment service has a great feature of providing its user with a master card
debit card. However, in <span style="mso-no-proof: yes;">India,</span> its barred
by RBI from doing so till the time of writing this article in 2018. <span style="mso-no-proof: yes;">Instead of</span> what it offers is a <span style="mso-no-proof: yes;">direct</span> payment into the local bank account,
which is also okay. <span style="mso-no-proof: yes;">The</span> difference with
the debit card that it provides abroad <span style="mso-no-proof: yes;">versus</span>
local bank payment in India is the time delay in accessing the money once it
arrives in the Payoneer account.</span></span><br />
<a name='more'></a><span style="mso-ansi-language: EN-US;"><span style="font-size: large;"> <o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US;"><span style="font-size: large;">Abroad , via this
Mastercard debit card , one can instantly draw out cash from any available ATM
, once the money has been credited by the merchant. However, In India, users of
Payoneer should be ready for two <span style="mso-no-proof: yes;">bottlenecks</span>
even if the payment has arrived in your Payoneer account. <o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US;"><span style="font-size: large;"><br /></span></span></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://1.bp.blogspot.com/-e2vsqMmsdCg/W4uT6vhRdyI/AAAAAAAABvI/FWTNQI5MpMAlBFADM76dzZsbwsZojioDwCLcBGAs/s1600/Webp.net-resizeimage.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="global payment service, global payment service, payment processor, google adsense, google adsense, payment processor, paypal money transfer, pay pal,payment processor, payoneer prepaid card, global payment service, payment processor, payoneer prepaid card, freelance jobs payoneer prepaid card, paypal account, paypal account, paypal, pay pal, Payoneer mastercard, pay pal, pay pal, paypal, payoneer, paypal, paypal alternative, Payoneer mastercard, payoneer, payoneer vs paypal, payoneer paypal, paypal alternative" border="0" data-original-height="418" data-original-width="800" height="334" src="https://1.bp.blogspot.com/-e2vsqMmsdCg/W4uT6vhRdyI/AAAAAAAABvI/FWTNQI5MpMAlBFADM76dzZsbwsZojioDwCLcBGAs/s640/Webp.net-resizeimage.png" title="A practical guide to Payoneer vs PayPal global payment service" width="640" /></a></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US;"><span style="font-size: large;"><br /></span></span></div>
<h4 style="text-align: left;">
<b style="mso-bidi-font-weight: normal;"><span style="mso-ansi-language: EN-US;"><span style="font-size: large;">Beware of landing charges that <span style="mso-no-proof: yes;">is</span> not in hands of <span style="mso-no-proof: yes;">payoneer</span></span></span></b></h4>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="mso-ansi-language: EN-US;"><span style="mso-no-proof: yes;"><span style="font-size: large;"><br /></span></span></span></b></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US;"><span style="font-size: large;">First is the landing
charge that your banks in India charge, to allow incoming amount from Payoneer.
Then it may refuse the incoming amount owing to security reasons as <span style="mso-no-proof: yes;">it's</span> from abroad. Banking holidays or <span style="mso-no-proof: yes;">non-business</span> days can also stretch the time of
actual payment of the <span style="mso-no-proof: yes;">Payoneer</span> amount <span style="mso-no-proof: yes;">into</span> your bank account. <o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal">
<span style="font-size: large;"><span style="mso-ansi-language: EN-US; mso-no-proof: yes;">For
major</span><span style="mso-ansi-language: EN-US;"> well-known private banks
like ICICI, HDFC, there is a <span style="mso-no-proof: yes;">well-documented</span>
policy <span style="mso-no-proof: yes;">for</span> receiving payment from
Payoneer and <span style="mso-no-proof: yes;">it's</span> generally quicker than <span style="mso-no-proof: yes;">state-owned</span> banks like SBI.<o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="mso-ansi-language: EN-US;"><span style="font-size: large;">Caution <o:p></o:p></span></span></b></div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="mso-ansi-language: EN-US;"><span style="font-size: large;"><br /></span></span></b></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US;"><span style="font-size: large;">In <span style="mso-no-proof: yes;">India</span> you cannot use the money lying in your
Payoneer account, even if you are able to view it. You will be able to utilize
it only after <span style="mso-no-proof: yes;">it's</span> <span style="mso-no-proof: yes;">transferred</span> to your local bank account. <o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US;"><span style="font-size: large;"><br /></span></span></div>
<h3 style="text-align: left;">
<b style="mso-bidi-font-weight: normal;"><span style="mso-ansi-language: EN-US;"><span style="font-size: large;">While creating a <span style="mso-no-proof: yes;">free</span> account in <span style="mso-no-proof: yes;">Payoneer</span></span></span></b></h3>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="mso-ansi-language: EN-US;"><span style="mso-no-proof: yes;"><span style="font-size: large;"><br /></span></span></span></b></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US;"><span style="font-size: large;">When you create an
account in Payoneer, be careful to input the proper e-mail, because all your
future correspondence from Payoneer will be to this e-mail.<o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US;"><span style="font-size: large;">Please note, having
PAN card details and Adhaar details <span style="mso-no-proof: yes;">are</span>
mandatory for creating an account in Payoneer.<o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US;"><span style="font-size: large;">Select "Global
services" when you <span style="mso-no-proof: yes;">create</span> an account
in Payoneer <span style="mso-no-proof: yes;">and</span> give your bank <span style="mso-no-proof: yes;">details for</span> an <span style="mso-no-proof: yes;">account</span>
that will be used for receiving payment. <o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US;"><span style="font-size: large;">Note, Payoneer is
primarily used in India by the freelancers for receiving payment from freelance
websites like Fiverr, Upwork, 99 designs, Gettyimages.<o:p></o:p></span></span><br />
<span style="mso-ansi-language: EN-US;"><span style="font-size: large;"><br /></span></span>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://share.payoneer.com/nav/8VoDNWIuW4db333WTwF_3akgSej1xiVRlj8HmaooQUn5G1Lcd9fsBzIEMimaqXJWMNBe_NTpdCccfqTEJZy-MQ2" target="_blank"><img alt="https://share.payoneer.com/nav/8VoDNWIuW4db333WTwF_3akgSej1xiVRlj8HmaooQUn5G1Lcd9fsBzIEMimaqXJWMNBe_NTpdCccfqTEJZy-MQ2" border="0" data-original-height="250" data-original-width="300" src="https://4.bp.blogspot.com/-Procl2T7Z_Y/W4976WsNu7I/AAAAAAAABwM/5xH8sU3LecArpCstHO5MVLF8rSkME-WrwCLcBGAs/s1600/20160106184413-Freelancers300x250.jpg" /></a></div>
<span style="mso-ansi-language: EN-US;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="mso-ansi-language: EN-US;"><span style="font-size: large;">Practical use of Payoneer in India</span></span></b></div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="mso-ansi-language: EN-US;"><span style="font-size: large;"><br /></span></span></b></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US;"><span style="font-size: large;">It is also used widely
for receiving affiliate service payments from amazon.com or rental payment from
<span style="mso-no-proof: yes;">Airbnb.</span><o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US;"><span style="mso-no-proof: yes;"><span style="font-size: large;"><br /></span></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US;"><span style="font-size: large;">In India, you cannot
send payments (only receive from abroad) via Payoneer and this is one crucial
point which differentiates it from Paypal.<o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US;"><span style="font-size: large;">Paypal is <span style="mso-no-proof: yes;">an e-wallet</span> while Payoneer is purely a currency
import channel. <o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US;"><span style="font-size: large;">Let's take here the
case of inward USD payment as this is the most popular payment currency<span style="mso-spacerun: yes;"> </span>for normal exported freelance jobs <span style="mso-no-proof: yes;">through marketplaces</span> like Fiverr, People per
hour, <span style="mso-no-proof: yes;">Upwork</span>, Freelancer, Getty Images.<o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US;"><span style="font-size: large;"><br /></span></span></div>
<h4 style="text-align: left;">
<b style="mso-bidi-font-weight: normal;"><span style="mso-ansi-language: EN-US;"><span style="font-size: large;">Very Important: Partner Network- Payoneer</span></span></b></h4>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="mso-ansi-language: EN-US;"><span style="font-size: large;"><br /></span></span></b></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US;"><span style="font-size: large;">If you intend to get
your money through Payoneer, for <span style="mso-no-proof: yes;">exported</span>
services, please be careful to only select the Authorized partners of Payoneer.<o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US;"><span style="font-size: large;">Payoneer has a partner
network of merchants who use it's integrated, famous "Mass Payout Payment"
system for payments .In this <span style="mso-no-proof: yes;">mode</span>, <span style="mso-spacerun: yes;"> </span>the authorized partners <span style="mso-spacerun: yes;"> </span>do not run to banks for each and every <span style="mso-no-proof: yes;">transaction</span> <span style="mso-no-proof: yes;">individually</span>.
A mass payout to the authorized <span style="mso-no-proof: yes;">Payoneer</span>
bank account is made by the "Whitelisted" merchant in <span style="mso-no-proof: yes;">lieu</span> of a host of services accepted/ received
by <span style="mso-no-proof: yes;">those firm. <o:p></o:p></span></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US;"><span style="mso-no-proof: yes;"><span style="font-size: large;"><br /></span></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;">After
the mass payout, it then selects each of the service providers it intends to
make the payment to (with the amount each should get), from the Payout Page of Payoneer,
and enters "Pay".<span style="mso-spacerun: yes;"> </span>This will
enable automatic credit of that amount into the Payoneer account of that
selected service provider, who in the Indian context, will most probably be an
Indian freelancer.<o:p></o:p></span></span></div>
<script async="" src="//pagead2.googlesyndication.com/pagead/js/adsbygoogle.js"></script>
<br />
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(adsbygoogle = window.adsbygoogle || []).push({});
</script>
<br />
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;">For
payments through Payoneer, as an Indian freelancer , only use it for those
clients who are already a part of Payoneer Mass Payout feature. Do not worry ,
al the big merchants for whom Indians normally do freelancing or affiliate jobs
e.g. <span style="mso-spacerun: yes;"> </span>Fiverr, Amazon, Upwork .etc, are
already part of Payoneer Mass Payout partner network<o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;">Do
not use this payment method for money transfer from individuals abroad, who are
not part of "Whitelist" of "Payoneer ".<o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;"><br /></span></span></div>
<h3 style="text-align: left;">
<b style="mso-bidi-font-weight: normal;"><span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;">How to register yourself with
a merchant in Payoneer for its Global Pay system ?</span></span></b></h3>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;"><br /></span></span></b></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;">If
you wonder how you will <span style="mso-spacerun: yes;"> </span>register for a
client abroad, use the Bank name, Account type, Account number and Routing code
of the virtual US account (that Payoneer creates for you when you sign up for
global payments).<o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;"><br /></span></span></div>
<h3 style="text-align: left;">
<b style="mso-bidi-font-weight: normal;"><span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;">Virtual US account by Payoneer
for clients in India: <span style="mso-spacerun: yes;"> </span>the secret of
lower charges </span></span></b></h3>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;"><br /></span></span></b></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;">This
virtual US bank account, which in many cases is created in Bank Of America, is
the main driving force for the cross-border payment through Payoneer. Clients
in the USA simply deposit the money in this local virtual bank account via Payoneer,
which is then transferred to your local Payoneer account under ACH (American
Clearing House) rules.<o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;"><br /></span></span></div>
<h3 style="text-align: left;">
<b style="mso-bidi-font-weight: normal;"><span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;">Fees/ Charges of Payoneer </span></span></b></h3>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;"><br /></span></span></b></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;">Next
comes the question of fees. The fees of each marketplace vary and it's better
to check the fees from relevant marketplaces. Payoneer has a host of
marketplaces like Upwork, Truelancer , Freelancer, Shutterstock , Adobe,
99designs, People per hour , Fiverr, Envato, Toptal. <o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;">Check
out the fees for Payoneer from these individual marketplaces.<o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;">If
the money is deposited in the Local US virtual bank account, it falls under the
Global Payment services category (Applicable for Euro, USD, GBP (Great Brain
Pound), JPY (Japanese Yen) ), its free.<o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;">If
you intend to receive money from customers directly via credit cards its
charged at 3%. Avoid this type of payment. <o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;">Better
use the popular marketplaces for freelancing jobs . They have a fixed
transparent policy and because of mass payout, are timely in paying your fees
without hassles.Remember, Payoneer is tailor-made for such type of mass payouts
by such papular marketplaces like Freelancer.<o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;">Next
, after the money is deposited in the Payoneer account , it has to be converted
from USD (Or Euro, GBP) to your local currency. Here, Mastercard ongoing rates
for currency is taken as reference with 2% commision above the mid-market rate
for currency at that moment. This 2% commision above the mid-market rate is
considerably lower than conversion rates charged by Pay Pal.<o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;">Please
check out the charge when it's being deposited in the bank from the Payoneer
account apart from the landing charges deducted by the bank. Also, keep the
taxes or GST in mind while calculating the amount you receive.<o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;">Beware
of the yearly fees for Payoneer account. Its supposed to be 29.95 $ and is
deducted from your account whenever it reaches 30$. But wait, this is supposed
to be for the debit card. And India does not allow debit card from Payoneer .
Search for the basic account in Payoneer which has no debit card (Automatically
applicable for India ) and no annual charges.<o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;">That’s
sums up the fees charged by Payoneer. <o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;">In
Payoneer , there are no extra Transfer fees/charges that Pay Pal deducts when
the client sends money, in exchange for services provided by you from
India,<span style="mso-spacerun: yes;"> </span>from his<span style="mso-spacerun: yes;"> </span>Payoneer account.<o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="font-size: large;"><br /></span></div>
<h3 style="text-align: left;">
<b style="mso-bidi-font-weight: normal;"><span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;"><u>Now PayPal</u></span></span></b></h3>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;"><br /></span></span></b></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;">Pay
Pal is an e-wallet which also allows you to buy from its registered merchants.<o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;">Pay
Pal also allows accept and import of fees for freelancing jobs or goods exported.
You can shop in Paypal. This differentiates it from Payoneer because it does
not have an Indian marketplace to offer, where you can buy goods via Payoneer
payment.<o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;">Marketplaces
are the aggregators offering a particular type of service like ticket booking
in different sectors , or freelancing jobs, service in the food and beverages
category etc.<o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;">It needs
not be said that the corresponding Indian merchant must have the facility of
payment through Paypal integrated in his website.<o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;"><br /></span></span></div>
<h3 style="text-align: left;">
<b style="mso-bidi-font-weight: normal;"><span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;">Creating account in PayPal:
Some reminders</span></span></b></h3>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;"><br /></span></span></b></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;">E-mail
is very important in PayPal, so provide proper E-Mail which is secured and you
access regularly.<o:p></o:p></span></span></div>
<script async="" src="//pagead2.googlesyndication.com/pagead/js/adsbygoogle.js"></script>
<br />
<ins class="adsbygoogle" data-ad-client="ca-pub-7661157041376268" data-ad-format="fluid" data-ad-layout="in-article" data-ad-slot="2992481075" style="display: block; text-align: center;"></ins><script>
(adsbygoogle = window.adsbygoogle || []).push({});
</script>
<br />
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;">Also,
PAN card and Bank Account having account name same as your PAN card is required<o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;">In PayPal<span style="mso-spacerun: yes;"> </span>sign in form, fill it up as individual and
your name should match that with your bank account.<o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;">Do
not share your debit/credit card details with Pay Pal while filling the sign in
form, as you will be using your bank details for remittance.<o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;">You
have to go the e-mail account you have given during registration in Pay Pal and
select the activation link from there.<o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;">During
sign in, the process will need a number of information like the nature of your
business, bank details etc. Go to Task Board tab at the bottom of the site to
return to unfinished sign-in page.<o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;">Provide
P1007 "Other Business Services-> Advertising and Market
research"<span style="mso-spacerun: yes;"> </span><i style="mso-bidi-font-style: normal;">Purpose Code</i> for bloggers and P0802 for Software jobs provided to
abroad clients. Please note Purpose Code cannot be used for payments of jobs
within India.<o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;">Do
not forget to "Confirm" the values/amounts that had been added to
your bank account by PayPal for checking purpose. Only then will your bank
account get added to your PayPal account for credit.<o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;">One
advantage of using PayPal is that you do not need to give your credit card
number or do not need to have one for online shopping or receiving international
remittance.<o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;">Payoneer
provides <span style="mso-spacerun: yes;"> </span>the same advantage minus the
shopping facility and at a slower pace because its transfer involves ACH. <o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;"><br /></span></span></div>
<h3 style="text-align: left;">
<b style="mso-bidi-font-weight: normal;"><span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;">Now what you get as output
from the international payment:<span style="mso-spacerun: yes;"> </span>PayPal
verses Payoneer </span></span></b></h3>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;"><br /></span></span></b></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;">The
conversion rate of Paypal is much lower (lower in a profitable sense) than
Payoneer. Payoneer uses the mid-conversion rate (Master card rate) -2% as for conversion
charges . <o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;">Paypal<span style="mso-spacerun: yes;"> </span>currency conversion rate is much lower at
Ongoing Currency Conversion Rate(Say current rate is 1$=Rs. 64.<b style="mso-bidi-font-weight: normal;">- (3-4% )</b>. <b style="mso-bidi-font-weight: normal;">It comes to about 61.5 $</b>.<span style="mso-spacerun: yes;"> </span>This
is the rate you get for conversion to Indian Rupees<span style="mso-spacerun: yes;"> </span>from PayPal. On top of it, PayPal charges(
3.9% - 4.4%) +.30 $ as its service fees (known as Transfer/Transaction
charges). <o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;">At first,
the transfer fees of PayPal (as mentioned above) <span style="mso-spacerun: yes;"> </span>is deducted from the full amount provided by
the merchant.<o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;"><span style="mso-spacerun: yes;"> </span>Then the conversion is done from USD to INR at
rates typical to PayPal which is about minimum 2-2.5 $ below the prevailing market
rates. For Payoneer, the conversion rate for USD is at minimum 1 $ more (<b style="mso-bidi-font-weight: normal;">Prevailing Currency Conversion rate-2%</b>)
<span style="mso-spacerun: yes;"> </span>than the PayPal rate. Yes, that's 1$
more in currency conversion Payoneer for every dollar you have earned !.<o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;">Transactions
done in Paypal, to receive money from abroad, has a limit of 10,000$ per
transactions.<o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;"><br /></span></span></div>
<h4 style="text-align: left;">
<b style="mso-bidi-font-weight: normal;"><span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;">PayPal security for account
holder</span></span></b></h4>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;"><br /></span></span></b></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;">PayPal
has an excellent feature of just sending your PayPal e-mail details to the
remitter (instead of bank accounts or other details), as the location to where
he should send then money. PayPal does the rest for you , while the remitter emits
the money at the mentioned e-mail address in the "Send to" page of
PayPal.<o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;"><br /></span></span></div>
<div class="MsoNormal">
<span style="mso-ansi-language: EN-US; mso-no-proof: yes;"><span style="font-size: large;">PayPal
exchange rate is lower and service charges higher, but so is its acceptability.
However, Payoneer payment is from a newer generation. Try both of these to see
which one is faster and do not keep you waiting midway. Payoneer suffers from a
lack of reassuring helpline, instead sending you automated responses ignoring your
frantic calls for help. It also suffers from lack of info when your money is in
Payoneer account<span style="mso-spacerun: yes;"> </span>and is not being
transferred to the bank. So on one side, Payonner gives you better output from
the money you have received from abroad in USD or EURO, while PayPal has better
efficiency in delivering that money but this comes at higher costs to you. <o:p></o:p></span></span></div>
<br /></div>
thehourjobhttp://www.blogger.com/profile/14864308772919653185noreply@blogger.com0tag:blogger.com,1999:blog-1761969221554830936.post-80659277252582628852018-08-16T05:00:00.000-07:002018-09-17T06:59:32.355-07:00Forex Trading : Definition and Legality of International Forex Brokers vs Indian Forex Brokers<div dir="ltr" style="text-align: left;" trbidi="on">
<span style="font-size: large;"><br /></span>
<br />
<div class="MsoNormal">
</div>
<h3 style="text-align: left;">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: large; mso-ansi-language: EN-US;">What is Forex trading?</span></b></h3>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: large; mso-ansi-language: EN-US;"><br /></span></b></div>
<div class="MsoNormal">
<span style="font-size: large; mso-ansi-language: EN-US;">Forex trading is one
of the most liquid trading activities available. It is simply buying and
selling of one currency by another currency at a price fixed by its buyers and
sellers. These currencies are each international, like INR and USD, and with a
fixed amount of one currency you can buy one unit of other currency. Say by
65.55 units of INR you can buy one Dollar. The next moment owing to demand
increase you need 65.60 units of INR to buy one Dollar. In this market,
participants try to predict the direction of price of either of this currency
in a pair. The volume of this trading is at par with the trading volume of
crude oil or gold futures. Forex deals with currency exchange or rather
currency pair transaction. This is a vast, vibrant market, spanning worldwide.
The major currency pairs in forex trading are GBP/USD, Euro/USD, USD/CAD,
USD/JPY etc.</span><br />
<a name='more'></a><span style="font-size: large; mso-ansi-language: EN-US;"> <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: large; mso-ansi-language: EN-US;"><br /></span></div>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://1.bp.blogspot.com/-QGN5n-Y05Wk/W3VmPEABm7I/AAAAAAAABok/qm5OsEpT-jEgqrqqlTkGBynYKWSbL41zgCLcBGAs/s1600/pexels-photo-241544.jpeg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><span style="font-size: large;"><img border="0" data-original-height="853" data-original-width="1280" height="426" src="https://1.bp.blogspot.com/-QGN5n-Y05Wk/W3VmPEABm7I/AAAAAAAABok/qm5OsEpT-jEgqrqqlTkGBynYKWSbL41zgCLcBGAs/s640/pexels-photo-241544.jpeg" width="640" /></span></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span style="font-size: large;">Image Credit - Pexels.com</span></td></tr>
</tbody></table>
<div class="MsoNormal">
<span style="font-size: large; mso-ansi-language: EN-US;"><br /></span></div>
<div class="MsoNormal">
<span style="font-size: large;">Among these, Euro/USD
is the most traded pair. The reason is obvious. Euro is the currency of a
consortium of European countries which include giants like Germany, France and
also debt-laden like Greece, Italy.</span></div>
<div class="MsoNormal">
<span style="font-size: large; mso-ansi-language: EN-US;"><br /></span></div>
<div class="MsoNormal">
<span style="font-size: large; mso-ansi-language: EN-US;">JPY is the currency of
Japan and is considered one of the most stable currencies. Recently Japan has
been going through a period of deflation and Japan government is also at pain
to keep its currency devalued especially with respect to USD. It does this to
protect its exports becoming costlier versus USD.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: large; mso-ansi-language: EN-US;"><br /></span></div>
<div class="MsoNormal">
<span style="font-size: large; mso-ansi-language: EN-US;">GBP is the Great
Britain Pound. Although traditionally one of the most stable currencies owing
to the excellent financial performance of UK, lately it has faltered. The
threat of financial business moving out of London and its surroundings owing to
Brexit, has devalued the currency. GBP is going through ups and downs, because
the negotiations of Brexit are opaque and nobody really knows the future of
businesses in the UK. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: large; mso-ansi-language: EN-US;"><br /></span></div>
<div class="MsoNormal">
<span style="font-size: large;"><st1:stockticker w:st="on"><span style="mso-ansi-language: EN-US;">CHD</span></st1:stockticker><span style="mso-ansi-language: EN-US;"> or
Canadian Dollar is also <u style="text-underline: #28B473 thick;">considered</u>
as one of the safe havens. However, with Trump imposing sanctions and import
duty, right and left irrespective of allies, lately <st1:stockticker w:st="on">CHD</st1:stockticker>
has been going through a rough patch.<o:p></o:p></span></span></div>
<div class="MsoNormal">
<span style="font-size: large; mso-ansi-language: EN-US;"><br /></span></div>
<div class="MsoNormal">
<span style="font-size: large; mso-ansi-language: EN-US;">NZD or New Zealand
Dollar is also considered as a safe currency.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: large; mso-ansi-language: EN-US;"><br /></span></div>
<div class="MsoNormal">
<span style="font-size: large; mso-ansi-language: EN-US;">USD is considered the
benchmark of all the currencies. Here you may tend to ask as to why Yuan
(Renminbi), currency of China and extremely important, is not included in the
list of traded currencies?<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: large; mso-ansi-language: EN-US;"><br /></span></div>
<div class="MsoNormal">
<span style="font-size: large; mso-ansi-language: EN-US;">It's because of fact that,
Yuan is not freely convertible currency. Its exchange rate is artificially
determined by China’s central bank. It's artificially devalued, especially vs
dollars, so as to keep its import prices low and attractive.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: large; mso-ansi-language: EN-US;"><br /></span></div>
<div class="MsoNormal">
<span style="font-size: large; mso-ansi-language: EN-US;">The forex market
operates for 24 hours for almost 5 and ½ days a week. It opens with the opening
of the Sydney market and ends with the closing of American Currency futures at
5.00 PM. This coves almost 24 hours in a day.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: large; mso-ansi-language: EN-US;"><br /></span></div>
<div class="MsoNormal">
<span style="font-size: large; mso-ansi-language: EN-US;">Forex trading is
totally done electronically over the counter and is largely unregulated. There
is no organization like SEBI to oversee the trading going on in Forex.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: large; mso-ansi-language: EN-US;"><br /></span></div>
<h3 style="text-align: left;">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: large; mso-ansi-language: EN-US;">Where does Forex trading take place?</span></b></h3>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: large; mso-ansi-language: EN-US;"><br /></span></b></div>
<div class="MsoNormal">
<span style="font-size: large; mso-ansi-language: EN-US;">Forex trading is based
on the Interbank Market. It is an array of electronic platforms for currency
exchange, and not any physical exchange. Interbank market, as the name
suggests, is the market specialised for trading among the banks. Banks have
huge requirements of reserve cash for short duration, which spikes or ebbs with
demand and supply. Banks need this money mainly to comply with the loans sudden
withdrawal, or CRR ratio demand or any other regulatory requirements. The money
taken as a loan between different banks are normally for very short duration.
It can be for the overnight requirement, for a week or fourteen days at the
max. This money market is also termed as call money market. Rates of money
borrowed for overnight purposes are called overnight rates. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: large; mso-ansi-language: EN-US;">The borrowing/lending
is done via exchange of foreign currencies between banks of different countries
and different currencies. Reuters-Thompson, Bloomberg etc. provide the required
electronic platform for this foreign currency exchange and loans between
different banks. To keep this platform only for the banks, the <b style="mso-bidi-font-weight: normal;">minimum</b> amount of currency that can be
exchanged are to the tune of millions of dollars. This keeps of any other
entity from using this exclusive Interbank platform.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: large;"><br /></span></div>
<div class="MsoNormal">
<span style="font-size: large; mso-ansi-language: EN-US;">Not only banks but
large financial corporations, insurances, mutual funds are also participants of
this interbank market. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: large; mso-ansi-language: EN-US;"><br /></span></div>
<div class="MsoNormal">
<span style="font-size: large; mso-ansi-language: EN-US;">The rate of interest
for lending in this market depends on ultra-short-term ongoing and perceived
rate of interest in future.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: large; mso-ansi-language: EN-US;"><br /></span></div>
<div class="MsoNormal">
<span style="font-size: large; mso-ansi-language: EN-US;">What we view as forex
rates in the money market is based on the interbank rates. However, the spread
or differences between ask and buy rates in the forex market is much larger
than the narrow spread found in interbank rates. What happens is that the
brokers and financial institutions charge a mark-up price on this basic
interbank rate and then place a bid in the forex market. This is the rate we
commonly see in the future of currency market. Thus the end bid prices in forex
market that we commonly view are derived from the interbank market.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: large; mso-ansi-language: EN-US;"><br /></span></div>
<h3 style="text-align: left;">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: large; mso-ansi-language: EN-US;">Pips</span></b></h3>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: large; mso-ansi-language: EN-US;"><br /></span></b></div>
<div class="MsoNormal">
<span style="font-size: large; mso-ansi-language: EN-US;">The difference in the
ask and buy rates are in pips. For example, let's take the INR/USD pair. Say
the ask rate for selling is 70.6325 and buying rate is 70.6320. Pips are
defined as the movement of the third digit from decimal (of the price of
contract). You can get an idea of the liquidity by the difference of Pip and
the spread (difference between the buy and sell price) of a particular currency
pair.If the pip is say<span style="mso-spacerun: yes;"> </span>5 paise, that
means that you can put a bid for that contract at onwards of multiples of 5
from the third digit after decimal.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: large; mso-ansi-language: EN-US;"><br /></span></div>
<div class="MsoNormal">
<span style="font-size: large; mso-ansi-language: EN-US;">What it essentially
transcribes to this: If you see a bid at say 70.6120, and want to bid lower
than that, you cannot bid at 70.6118, but at 5 paise lower than the 3<sup>rd</sup>
digit of decimal, which is at 70.6115. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: large; mso-ansi-language: EN-US;">When the pairs are
traded with high turnover like that of EUR/USD, the Pip difference comes in a
range of even 5 to 10 paisa. For example, if the buy price is 70.6125 for a
dollar by rupee (USDINR pair)<span style="mso-spacerun: yes;"> </span>and the
spread is of 10 paisa , then the ask price for selling that lot would be say
70.6135 i,e. a difference of 10 paisa.(note, lot size is 1000- so for a lot
buying price in the above example would be 70,612.50 while asking price for
selling that lot of 1000 USDINR would be 70,613.50). <span style="mso-spacerun: yes;"> </span>Note that because this is future trading,
actually the money you have to pay for taking a position in a lot of about 5%
of the actual price of the lot.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: large; mso-ansi-language: EN-US;"><br /></span></div>
<div class="MsoNormal">
<span style="font-size: large; mso-ansi-language: EN-US;">In case of thinly
traded counters, this difference of 5 to 10 paisa instead goes up to more than
one-hundred rupees and more (spread).<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: large; mso-ansi-language: EN-US;"><br /></span></div>
<h3 style="text-align: left;">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: large; mso-ansi-language: EN-US;">Is Forex trading legal internationally?</span></b></h3>
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<br />
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: large; mso-ansi-language: EN-US;"><br /></span></b></div>
<div class="MsoNormal">
<span style="font-size: large; mso-ansi-language: EN-US;">Forex trading is
largely unregulated, and largely illegal. European countries have large
participants and brokers for Forex trading, but the regulators there have also
warned about the dangers of trading in Forex. Japan allows forex trading but
with much reduced leverage allowed for taking positions. In USA , a handful of
forex brokers do exist. Check whether they are under CFTC and NFA. Forex
trading is legal in UK, Australia.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: large; mso-ansi-language: EN-US;"><br /></span></div>
<div class="MsoNormal">
<span style="font-size: large; mso-ansi-language: EN-US;">However, every country
is now trying to lower the leverage for forex trading and modifying its rules
so that Forex trading does not lead to adverse outflow of foreign exchange
owing to betting on the wrong side.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: large; mso-ansi-language: EN-US;"><br /></span></div>
<h3 style="text-align: left;">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: large; mso-ansi-language: EN-US;">Why is Forex Trading so attractive? And so dangerous?</span></b></h3>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: large; mso-ansi-language: EN-US;"><br /></span></b></div>
<div class="MsoNormal">
<span style="font-size: large; mso-ansi-language: EN-US;">Forex trading is so
attractive because of the leverage provided by the brokers to entice customer. 50:1
margin for futures of forex tading with a minimum deposit in dollars is common.
100: 1, even 200:1 margin is provided by brokers of Fx. But note the lot size
of each pair .A single lot size can be 100,000. So adverse movement by even a
pip can be disastrous if moving in the opposite direction. And it can be
profitable in an awesome way if position is taken in the right direction. This
is the point where the regulators of each country frown upon. Awful amount of foreign
currency has to outflow from the country to meet the margin requirement.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: large;"><br /></span></div>
<div class="MsoNormal">
<span style="font-size: large; mso-ansi-language: EN-US;">If you are searching
for forex trading, you cannot but do it legally. In India, there are two types
of forex trading. One is based on base currency pair. Base currency means where
on one of the pair is the main domestic currency. In India, all the base pairs
have INR on one side. Like we have USDINR, JPYINR, EURINR. Here you have to pay
in rupees, that you have to pay for 1 USD (Dollar) or for 1 JPY(Yen) or
GBP(Pound of UK). This is available legally, under supervision of SEBI, RBI.
This is available in NSE and also MSE in India in currency segment. <o:p></o:p></span><br />
<span style="font-size: large;"><span style="mso-ansi-language: EN-US;"><br /></span>
</span><br />
<h3 style="text-align: left;">
<span style="font-size: large; mso-ansi-language: EN-US;">Cross Currency Pair</span></h3>
</div>
<div class="MsoNormal">
<span style="font-size: large; mso-ansi-language: EN-US;"><br /></span></div>
<div class="MsoNormal">
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<div style="text-align: left;">
<span style="font-size: large;">Another important
currency pair that has been allowed recently by SEBI is cross currencty pair
e.g. GBPUSD, EURUSD and GBPUSD i.e. pound to dollar, euro to usd and yen to
usd. This is akin to big bang pairs in International Forex market, which are traded
heavily. So if you can trade legally in the most liquid Forex futures in India
itself, why would you want to trade in Forex via international brokers at a
higher cost?</span></div>
<div class="MsoNormal">
<span style="font-size: large; mso-ansi-language: EN-US;"><br /></span></div>
<h3 style="text-align: left;">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: large; mso-ansi-language: EN-US;">Advantages that still exist and lure gullible
desi traders</span></b></h3>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: large; mso-ansi-language: EN-US;"><br /></span></b></div>
<div class="MsoNormal">
<span style="font-size: large; mso-ansi-language: EN-US;">International Forex traders
have the advantage of timing and margin and lead regulatory oversight. It is
open virtually 24 hours, 5 days a week with very low number of holidays. The
margin provided by foreign forex brokers domiciled in India is also much more.
In India you can get a maximum leverage of 20:1 where 50:1 leverage is commonly
given in international Forex brokers. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: large; mso-ansi-language: EN-US;"><br /></span></div>
<h3 style="text-align: left;">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: large; mso-ansi-language: EN-US;">The legal angle</span></b></h3>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="font-size: large; mso-ansi-language: EN-US;"><br /></span></b></div>
<div class="MsoNormal">
<span style="font-size: large; mso-ansi-language: EN-US;">Get it in bold word;
you cannot deal in any form of electronic Forex trading over internet or over
any electronic platform. You cannot remit any dollars under LRS (liberalized
remittance scheme) for any margin trading or derivatives trading outside India.
With LRS, you can invest in equities or in property, but not in margin trading,
the mainstay of Forex trading. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: large; mso-ansi-language: EN-US;"><br /></span></div>
<div class="MsoNormal">
<span style="font-size: large; mso-ansi-language: EN-US;">Do not get lured by
any Forex broker who says that you are doing a spot trade. You will have
absolutely no information of what type of trade is being done with your
dollars. You may find yourself fall foul of FEMA (Foreign Exchange Maintenance Act)
if your able your Forex broker to indulge in this Forex future trading
overseas.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: large; mso-ansi-language: EN-US;"><br /></span></div>
<div class="MsoNormal">
<span style="font-size: large; mso-ansi-language: EN-US;">The new cross Currency
pairs that have been approved by SEBI have an extended timing of 7.30 pm. This
would cover the European market conveniently. However this timing is inadequate
for USA markets.<o:p></o:p></span></div>
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<span style="font-size: large; mso-ansi-language: EN-US;"><br /></span></div>
<div class="MsoNormal">
<span style="font-size: large; mso-ansi-language: EN-US;">To cover USA markets
confidently, a closing time akin to 11.30 pm as in commodities would have
served better.<o:p></o:p></span></div>
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<span style="font-size: large; mso-ansi-language: EN-US;"><br /></span></div>
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<span style="font-size: large; mso-ansi-language: EN-US;">FOREX trading has slim
chance of being approved in India. This is because RBI has to have adequate
dollar reserve. It cannot allow huge output of dollars, for dollar trading. For
business purpose, it has to allow corporations, funds and other bonafide entities
to trade currency, for hedging purpose. A large business entity who has taken a
large loan in dollars has to hedge his interest exposure. Otherwise he may have
to pay much more, should that currency appreciate suddenly against his base
currency.<o:p></o:p></span></div>
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<span style="font-size: large; mso-ansi-language: EN-US;"><br /></span></div>
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<span style="font-size: large; mso-ansi-language: EN-US;">So, if you want trade
in Forex, trade it through authorized brokers (under SEBI guidelines) in India.
New opportunities are arising (like the cross currency pair introduced
recently), be a little patient and do it legally in India itself. Whenever available,
trade in the cross currency pairs just like you would have done internationally.<o:p></o:p></span></div>
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</div>
thehourjobhttp://www.blogger.com/profile/14864308772919653185noreply@blogger.com0tag:blogger.com,1999:blog-1761969221554830936.post-62893134908564956782018-08-07T09:30:00.004-07:002018-09-19T01:53:03.323-07:00Most popular Digital Savings Account in India with Pros and Cons<div dir="ltr" style="text-align: left;" trbidi="on">
<span style="font-size: large;">A digital savings account is attractive but still unavailable to many people especially in the non-metro cities. I am a resident of a city, which is cosmopolitan and large, but still has nobody to answer you if you want to go for full KYC by biometric verification. This has resulted in a comical but unfortunate situation where RBI has proudly allowed digital savings bank, which is said to be a milestone in Digital India, still, 80% of the country can access no more than the basic e-wallet services of these digital banks. A large part of this country has yet to benefit from this next-level banking. So much for the financial inclusion.</span><br />
<a name='more'></a><br />
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Why digital savings account?</span></h2>
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<span style="font-size: large;">On paper, the digital savings account is really a boon for E-generation. Who has the time to go the branch? Can we always afford the ten-thousand to twenty-five thousand rupees minimum balance for the savings account? Will we always carry the laptop for net banking?</span><br />
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<h4 style="text-align: left;">
<span style="font-size: large;">A digital savings account is supposed to provide a basic but all-inclusive banking solution for youngsters. It’s for common people who want a fast reliable banking system with payment and shopping integration minus the extra benefits that come with a branch or for preferred high valued customers.</span></h4>
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://2.bp.blogspot.com/-xsJFk9d_4oo/W2nFqdQmdWI/AAAAAAAABlI/qmH4bshbLD4gPfTb7rQg0rf1AQJWmVOFACLcBGAs/s1600/pexels-photo-1246954.jpeg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><span style="font-size: large;"><img alt="zero balance saving account, digital banking, zero balance saving account, college savings account, savings account interest, college savings account, open savings account online, savings account interest rate, best online savings account, open bank account, digital savings account, highest interest rate savings account, digital savings bank account, high yield savings account, best online savings account, " border="0" data-original-height="854" data-original-width="1280" height="424" src="https://2.bp.blogspot.com/-xsJFk9d_4oo/W2nFqdQmdWI/AAAAAAAABlI/qmH4bshbLD4gPfTb7rQg0rf1AQJWmVOFACLcBGAs/s640/pexels-photo-1246954.jpeg" title="Most popular digital savings account from a few popular digi-accounts in India" width="640" /></span></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span style="font-size: large;">Image Credit - www.Pexels.com</span></td></tr>
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<h3 style="text-align: left;">
<span style="font-size: large;"><span style="color: #990000;">
Digibank From DBS:</span> Forerunner in a digital savings account</span></h3>
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">Digibank from DBS is one of the pioneers of digital banking in India. That is at least on paper. It has a fantastic interest rate of 6% until one-lakh rupees and a commendable rate of 7% over 1-lakh rupees for its digital savings account. However, remember that you can avail of this 7% rate only when you can deposit over one-lakh rupees and that needs a digital savings account. In e-wallet, you can keep maximum up to one-lakh rupees at a time. In Digibank, you get a virtual debit card. So, what so special about it! Any e-wallet nowadays provide virtual card. The specialty in the virtual and physical debit card for the wallet and digital account in Digibank, is on two counts. Firstly, it's from VISA and not from Ru-Pay. Secondly, you can withdraw your money from any ATM, any number of times, by this VISA debit. That is huge, considering the rupees twenty charge every time, after the first three to five monthly withdrawals from ATM. Again, for that, you have to change to Digibank savings account from the basic wallet.</span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">Digibank has a lot of exciting cash back offers on flights, hotel booking aggregators, stores etc.</span><br />
<span style="font-size: large;">It has the option for POS Visa payment by pay wave thus increasing your cybersecurity at POS terminal other than standard Bharat QR and other QRs.</span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">QAB for Digi savings account is zero, which can make it the preferred digital savings account among students, females without an income of their own, daily wage earners. Etc.</span><br />
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<h3 style="text-align: left;">
<span style="font-size: large;">
CONS:</span></h3>
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">Alas, the distance from the kettle to mouth is proving to be insurmountable for DBS Digibanking.</span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">You can create wallets in a matter of seconds, no doubt. However, should you want to convert it to Digi savings for the unlimited VISA withdrawal, or attractive 6-7% interest rate, you are in for a shock! That is if you are not from selected big cities where Biometric Authentication partner of DBS Digibank is available. There's no one to talk to for help or complaint, except for the AI-powered Chabot, equipped with regular replies. If out of city list, you get the standard reply that “DBS is adding cities”. If not converted, with no interest rate for e-wallets and no physical debit cards, no cash withdrawal facility, your account will remain a midget at wallet level.</span><br />
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<span style="font-size: large;">In addition, the fact that you have no option to add a secondary debit card is a downer.</span><br />
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<h3 style="text-align: left;">
<span style="font-size: large;">
Open account <span style="color: #990000;">ASAP-Axis bank</span></span></h3>
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<span style="font-size: large;">ASAP from Axis bank is another digital banking effort.</span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">It has an impressive list of e-merchants on its platform. The list includes Big basket, Cleartrip, Wynk Premium etc. The quality of merchants available here is better than other platforms.</span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">Another attractive feature apart from the regular features is the auto-sweep FD facility. This essentially means that you can break you FD automatically if you do not have money in your savings account. Part of FD breaks to provide you with the required amount of money, while the amount left of the FD remains as it is as FD.</span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">FD facility is available in many digi accounts but Auto-Sweep facility is rarely available in other digi savings account.</span><br />
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<span style="font-size: large;">This bank has the facility of creation of UPI while creating the ASAP account.</span><br />
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<h3 style="text-align: left;">
<span style="font-size: large;">
Expensive and Flat!</span></h3>
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<span style="font-size: large;"><br /></span>
<span style="font-size: large;">However, one annoying thing is the debit card issue. While debit card in Digibank of DBS comes at a minimum annual charge and is free for endless withdrawals from ATM, the Axis bank debit card for digital savings account comes at a hefty fee of almost rupees 500 annually.</span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">While Digibank gives you an interest rate of 6-7%, axis ASAP savings account give you a measly interest of 3.5% per annum.</span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">Though you do not need Aadhaar details for e-wallet, in ASAP account, without the physical debit card, you cannot register your ASAP account details for mobile banking or net banking. In a way, The ASAP interface indirectly presses you to apply for a debit card, which is costly.</span><br />
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<h3 style="text-align: left;">
<span style="font-size: large;"><span style="color: #990000;">
Kotak 811</span> –Many Variants but only two are useful</span></h3>
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">For those who want a reliable good digi banking solution via Adhaar based OTP (minus the in-person verification), Kotak 811 limited digital savings account may be a good solution. While other digital savings account normally have a virtual credit card but are handicapped by the absence of a physical debit card, Kotak 811 limited account has that provision. The fees for debit card available with 811 limited are in the medium range. It costs about rupees 199 plus tax to retain this card annually.</span><br />
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<span style="font-size: large;">Applying for full KYC of Kotak digital savings account is easier because Kotak has a good presence in tier II and III cities apart from big ones.</span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">Almost all banks pay normal interest in e-wallets before full KYC with the exception of Digibank. However, Kotak 811 pays interest up to 6% for your deposit even in the semi KYC 811 limited digital savings account (akin to e-wallets before full KYC in other digital savings account).</span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">Unlike many other e-wallets, Kotak 811 limited account has also the facility of transfer via Neft and IMPS. RTGS is only available in the full KYC version and rightly so. How many of us use the RTGS normally except for high-value transactions?</span><br />
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<span style="font-size: large;">However, the cheque facility is not available in the 811 limited KYC version. For this, you have to avail the Full verified 811 edition.</span><br />
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<h3 style="text-align: left;">
<span style="font-size: large;"><span style="color: #990000;">
Yes Bank Digital Savings</span>- Solid, Functional but lacking popularity </span></h3>
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">Digital savings accounts from Yes Bank is a non-flashy, functional digital savings account. It supports UPI and virtual card in e-wallet. Where it lags slightly is that it offers RuPay virtual card which may not be the fittest card for international transactions.</span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">Where its ahead of the pack is its support for different modes of merchant payment like QR, Bharat QR, Tone technology based payments and NFC.</span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">Like others have cash discounts, here you can buy gift vouchers for brands popular in metros and tier II and III cities e.g. Baskin Robbins, Pizza chain etc.</span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">Another uniqueness of Yes bank e-wallet (which can be converted to a digital savings account) with verification, is the inclusion of deals available locally (Location based deals). This concept is not only innovative but useful too because we as individuals do not always have the capacity or logistics to travel to far away places.</span><br />
<span style="font-size: large;"><br /></span>
<b><span style="font-size: large;"><span style="color: #990000;">PayTM</span>-Most Widely available but only a payment bank </span></b><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">PayTM is strictly not a big physical bank but a digital payment bank. Its strength lies in the vast network that it has already created pan India. It has also a robust QR, which unlike Bharat QR, NFC and other verification methods, are already present in your local Kirana stores. The mobile app is very popular and does not suffer from laggy connections that other apps suffer from. The merchant base of PayTM is also huge. But the main problem of KYC verification (for conversion to a savings account) remains because of lack of prompt response by entrusted agents.</span><br />
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<h3 style="text-align: left;">
<span style="font-size: large;">
Conclusion</span></h3>
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">The digital savings account is a recent product of RBI and has a wide functionality including no minimum balance requirement, a full battery of online transfer facility including UPI. Insurance, Loan and MFs are also allowed from the platform of these digital payment savings account. However, where the banks having large physical presence score over these digital banks, is the penetration of physical centers which enable biometric verification.</span><br />
<span style="font-size: large;"><br /></span>
<span style="font-size: large;">Among the banks discussed above, we found the Kotak 811 full KYC version of digital savings account to be the most viable. It has pan-India financial centers and also has an inexpensive physical debit card facility (unlike ASAP of Axis ) with support for latest transfer technologies like UPI.</span><br />
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thehourjobhttp://www.blogger.com/profile/14864308772919653185noreply@blogger.com0tag:blogger.com,1999:blog-1761969221554830936.post-83635773636334293682018-07-31T01:11:00.001-07:002021-02-02T23:10:19.984-08:00Investing for Intelligent investors" by Benjamin Graham- Book Review<div dir="ltr" style="text-align: left;" trbidi="on">
<h2 style="text-align: left;">
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<h3 style="text-align: left;">
</h3>
<h3 style="text-align: left;">
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">While doing the review of the book “</span><a href="https://amzn.to/2O2ityI" style="font-family: georgia, "times new roman", serif; font-size: x-large;" target="_blank">The Intelligent Investor</a><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">” by Benjamin Graham", I was literally feeling like showing the candle to the star. To top it, the points made by Graham 100 years ago remain valid till this day !<a name='more'></a></span></h3>
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"></span><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"></span><br />
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<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">But, I am determined not to make this review a simple rehash of the points made by Graham. Rather let this review be a free flowing blog, where I will review the views made by Benjamin in the Bible for investors with the investing and trading market today.<o:p></o:p></span></div>
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<span style="font-family: "georgia" , "times new roman" , serif;"><br /></span></div>
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<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">I will not review all the 20 chapters of this book, but the contents of those chapters which I feel retain the importance to this day.<o:p></o:p></span><br />
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><span style="font-family: "georgia" , "times new roman" , serif; margin-left: auto; margin-right: auto;"><a href="https://amzn.to/2M4yTR6" target="_blank"><img alt="stock market books, how to invest books, good investment books, how to invest, benjamin graham value investing, investment books, the intelligent investor, how to invest, investment books, the intelligent investor by benjamin graham, the intelligent investor audiobook," border="0" data-original-height="720" data-original-width="960" height="480" src="https://3.bp.blogspot.com/-7m03351C63o/W2AWlz_xTBI/AAAAAAAABkM/oYZuB0RqaFcTVoSYcoblQdgiuE5Ssu3UwCLcBGAs/s640/The%2BIntelligent%2BInvestor%2Bimage.png" title="Investing for Intelligent investors" by Benjamin Graham- Book Review" width="640" /></a></span></td></tr>
<tr><td class="tr-caption" style="font-size: 12.8px;"><a href="https://amzn.to/2O2ityI" target="_blank"><span style="font-family: "georgia" , "times new roman" , serif;">Investing for Intelligent investors" by Benjamin Graham- Book Review (thehourjob.com)</span></a></td></tr>
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<b><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><br /></span></b></div>
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<b><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Let the commandments begin</span></b></h3>
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<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">In the first chapter Graham says that any investment made without due diligence and that which does not guarantee safety and adequacy of return, is a speculation. By safety of return he meant the return from the stock to be consistently 1.5 times higher than the sum of interest and the gdp for that year. Holds true for the 2018 as it was for 1940.<o:p></o:p></span></div>
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<span style="font-family: "georgia" , "times new roman" , serif;"><br /></span></div>
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<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">He also advised not to invest in stocks whose business you do not understand. My advice would be exactly same today.<b style="mso-bidi-font-weight: normal;"><o:p></o:p></b></span></div>
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<span style="font-family: "georgia" , "times new roman" , serif;"><br /></span></div>
</h2>
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<b style="mso-bidi-font-weight: normal;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">I love bond but of movie</span></b></h3>
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<span style="font-family: "georgia" , "times new roman" , serif;"><br /></span></div>
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<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">In the second chapter, Graham tells a fact:Inflation is unbeatable and to keep up (note the keyword is keep up-defensive investing so dear to Graham), invest adequately in bonds.<o:p></o:p></span></div>
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<span style="font-family: "georgia" , "times new roman" , serif;"><br /></span></div>
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<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">With all due respect, today the situation is different and would be imprudent to put considerable amount in bonds for inflation.<o:p></o:p></span></div>
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<span style="font-family: "georgia" , "times new roman" , serif;"><br /></span></div>
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<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Today instruments like commodity MFs, commodities which move up with inflation, inflation tagged bonds, currencies futures are available, which counters the inflation with hearty profit on top.<o:p></o:p></span></div>
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<span style="font-family: "georgia" , "times new roman" , serif;"><br /></span></div>
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<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">In chapter 4, Graham deals with portfolio policy. He sides with the defensive investor and asks the investor to put 50% of money in bonds<o:p></o:p></span></div>
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<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Again as a reviewer, i would beg to differ. High inflation of today would not benefit<span style="mso-spacerun: yes;"> </span>the bond traders and would leave them with the capital only, with appreciation similar to government interest. With many products available, it would be much better to invest in alternate product like gold which<span style="mso-spacerun: yes;"> </span>goes up if the equity market goes down.<o:p></o:p></span><br />
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<tr><td style="text-align: center;"><span style="margin-left: auto; margin-right: auto;"><a href="https://amzn.to/2M4yTR6" target="_blank"><img border="0" data-original-height="1600" data-original-width="1043" height="320" src="https://2.bp.blogspot.com/-Dn2MuyDbNKc/W6xqiRLNX2I/AAAAAAAAB7E/QnVDgs5ygZkN8ptGDayXtDixcFN2ecgAwCLcBGAs/s320/91%252Bt0Di07FL.jpg" width="208" /></a></span></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span style="font-size: 12.8px;"><a href="https://amzn.to/2O2ityI" target="_blank">BUY NOW- Click on book cover</a></span></td></tr>
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<b style="mso-bidi-font-weight: normal;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Diversify into diversified items</span></b></h3>
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<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">IN 5th chapter, Benjamin asks the investor to diversify.He advises to keep the portfolio between 10 to 30 stocks.<o:p></o:p></span></div>
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<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Reviewers take: With the equity and commodity markets getting merged, do not diversify only into stocks but look out for currencies and commodities too. These would move in an inverse direction, should market fall.<o:p></o:p></span></div>
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<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">He asks investor to cash in those stocks that have a long history of consistent dividends, and looks good both financial performance and market price wise.<o:p></o:p></span></div>
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<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Reviewer: Today fortunately, you need not immerse yourself in Graham’s book, but the funds managers would do the selection for you.<o:p></o:p></span></div>
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<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">In another later chapter, Graham underlines the things that an investor should <i style="mso-bidi-font-style: normal;">avoid</i>.<o:p></o:p></span></div>
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<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><span style="mso-list: Ignore;">●<span style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </span></span><span style="mso-spacerun: yes;"> </span>At that time Graham was in love with bonds. But he cautions against investing in bonds with less than a 5-star rating. True.<o:p></o:p></span></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Foreign Stocks/ Bonds anybody ?</span></b></h3>
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<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><span style="mso-list: Ignore;">●<span style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </span></span>He asks his followers to avoid foreign bond. Sorry Sir, in today's market, I have to disagree. Bonds of super power like USA are available in Indian markets today. They are not only lapped up by common investors in India but by investors world wide.<o:p></o:p></span></div>
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<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">By the way ,US treasuries are one of the hottest assets<span style="mso-spacerun: yes;"> </span>around.<o:p></o:p></span></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Should I invest in primary IPO market ?</span></b></h3>
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<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;"><span style="mso-list: Ignore;">●<span style="font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;"> </span></span>Graham asks us to avoid IPOs in whatever form they existed in the 1960s, because of no previous performance reference. Hats off Sir, I cannot agree more. Remember the hype before and the despair after the IPOs of Reliance Power or Reliance Infra?<o:p></o:p></span></div>
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<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">At <b style="mso-bidi-font-weight: normal;">what P/E ?<o:p></o:p></b></span></h3>
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<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Graham is not opposed to growth stocks. He gently asks to consider them, but when they are at lower valuations.<o:p></o:p></span></div>
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<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Yes Sir. Growth stocks like Airtel showed year to year growth but did not reward the shareholders in its prime. Investors stuck to the stock, at high prices, hoping the profit growth would continue. It took only one year for Reliance (Jio) to bring it to floor from stratosphere. Now it has a de-growth of over 50% in 2018.<o:p></o:p></span></div>
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<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">As far as P/E is concerned, Graham proposed P/E not more than and around 20 for stock acquisition. As a reviewer I fully agree, but would suggest much lower limit of P/E (12-14) for buying. With increased volatility and scandals, almighty stocks fall dismisally. Wait for the right chance.<o:p></o:p></span></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Should we buy whenever there is a news or a large fall in stocks price ?</span></b></h3>
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<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">The investor guru asks us to refrain from buying considering only a sudden fall in price. Rather he recommends considering those situations when an event occurs (like nearing the end of huge loan) which is going the impact the stock in a highly positive manner in future.<o:p></o:p></span></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Conclusion</span></b></h3>
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<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">There are discussions in more metrics, ratios (financial) and tenants written by Graham in his book “The intelligent investor”. These will be discussed some other day. But the fact of the matter is that the tenants proposed by Graham in this book remains relevant currently as much as it was in the 1940,1950 and 1970s. Striking, isn't it? And that is why it remains a best seller even in this age.<o:p></o:p></span><br />
<span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">Get your copy from Amazon and start reading about value Investing today at lower price by clicking </span><a href="https://amzn.to/2O2ityI" style="font-family: georgia, "times new roman", serif; font-size: x-large;" target="_blank">Buy Now</a><span style="font-family: "georgia" , "times new roman" , serif; font-size: large;">. </span><br />
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