Sunday, June 2, 2013

Paid Survey companies list


There are number of survey companies are exists in the internet. New survey companies are popping up each and every day. People like us use this opportunity to make some extra cash . But finding reliable and reputed paying survey companies are very difficult. We can’t visit each and every company  and check which are reliable.  If you are new bee to this internet and want to earn some extra cash check this site.

It contains all the survey companies list and also it will intimate you if new company added. Best suitable for homemakers, retired person and students. We can buy this product by using your credit card, PayPal and debit card too. One time investment for your life time earnings. Happy Earnings  and all the best… http://tinyurl.com/kgt9qr9

Tuesday, July 24, 2012


What is insider trading
Trading  of a share by an individual who has vital information which are not announced by the company to the general public. It is illegal to trade on the share when the sensitive information is non public.It is clearly stated by SEBI in insider trading regulation Act 1992.As this will affect other traders who are not aware of this.
The price sensitive information’s
* Buy back of the share.
* Intended to declare dividend.
* Expansion plan of the company
* New project got by the company
* Merging with other company or takeover of other company.
* Periodic financial results.
* Change in company policy or operation of the company etc..
Who all mighty be the insider traders
* Board of Directors.
* portfolio Manager
* Brokers, Sub Brokers.
* Investment Advisor.
* Relatives of the Company.
* Bankers Connected with the company.
* Share transfer Agent.
* Company employees like Manager, Assistant manager of Mutual fund .

Monday, October 10, 2011

Monthly Income Fund

 
What is Monthly Income Fund
As all we know, the bank will pay interest for our deposits on monthly basis.Likewise the Monthly Income Funds also pays interest to its investor on monthly basis.These funds are suited for the people who are looking for additional income.
As its name tells it is a monthly scheme but there is no guarantee that they will pay on monthly .This is because they are investing the money in Market.If they get income from there investment they will pay the interest. If they don't get they wont pay us. There is big drawback in this scheme.
Where They Are Investing Our Money
Mostly they are investing 75% our money in Company Deposits,bank Deposits etc and only 25% of the money is invested in equity market.So the returns are somewhat high as compare to bank deposits.The income varies between 10% to 14%.
What are the Options
1)Monthly Dividend
2)Quarterly Dividend
3)Annual Dividend
4)Growth option
For whom it will Suit
* People looking for more interest then bank interest.
* People who can take less risk.
* For Senior Citizen .

Regarding Tax
Investors have to pay the Tax for Dividend .But the mutual fund company itself pay the tax for dividend.So no need to pay the tax for dividend separately.

Tuesday, July 26, 2011

Invest in Gold or Silver

1)The rate of silver is $34/ounce compare to $17/ounce last year .It has doubled in one year and also given 100% profit in just one year.
2)Unlike Gold silver doesn't have alternative to made its purpose.It has demand both in industrial and also ornament purpose.So the chances of increase its demand is high as compare to Gold.
3)People are stay away from Gold due to its high cost. So they have started liking the silver.


4)Already the gold yields lot of profit.But the Silver yields very less profit in the past.So in coming days the rate of gold will be decrease and the Silver has very good future in price wise.
5)Gold already touches its high, so Investors are selling the Gold and buying the Silver.This will increase the price of Silver rate.
6)In 1985 we can buy 49 oceans of silver per one oceans of gold. But now we can buy only 42oceans per one oceans of Gold.The ratio will decrease more in coming days.
7)Moreover due to safety reason and high cost of Gold, people preferring alternative and cheaply available jewelery.This reducing the demand of Gold in Gold jewelery field.Where as there is no alternative for silver metal as it has huge demand for industrial purpose .

Sunday, August 1, 2010

What is Company Deposits

Companies you mustn’t invest in
1.New companies which have yet to prove their financial and managerial expertise, or which have not declared a dividend.
2.It is best to avoid private limited companies, and partnership firms. Such companies are under no obligation to publish their working results and it is therefore very difficult to judge their performance and ability to meet their obligations.
3.Companies whose balance sheets show accumulated losses.
4.Companies which claim to pay a rate of interest higher than 10% to 12% p.a. , unless this is due to frequency of compounding.
5.Companies with a poor liquidity position,
6.Companies which are not paying regular dividends to their shareholders.

Do not renew your deposits automatically

Never renew your deposits automatically without first asking for a refund of the matured amounts. A timely refund establishes the credibility of the company in honoring its commitments.

Check CRISIL or ICRA rating
Look for the CRISIL or ICRA rating. The Credit Rating and Information Services Ltd (CRISIL) and Investment Information and Credit Rating. Agency of India Ltd (ICRA) rates various company deposit schemes. Invest only in highly rated companies.
You should also keep in mind that CRISIL may revise its ratings from time to time. CRISIL put the following companies on rating watch from time to time.
Diversify Your Deposits.
Don’t put all your money in any company, no matter howsoever sound it may be. Things can, and do, change. Though Nirlon was a blue ship company in early 80’s , later it became a defaulter.
Give preference to local companies
When you are investing in company deposits, give preference to good companies in your state, city or town. So far as possible, do not invest in companies which are located far off. If it is a local company, you can personally visit and try to get your money back as soon as you hear of any cash-flow problems. Remember the words of Theodore Roosevelt: ‘Nine- tenth of wisdom Consists in being wise in time’.

Tuesday, July 13, 2010

Problems in Investing In Equity Shares

1.Changing Market values
The Market values of actively traded equity shares seldom remain constant. They keep fluctuating; some moderately, but others violently. These fluctuations in market prices are likely to cause anxiety and discomfort for an amateur investor.
2 .No guarantee of Super Profits
There is no guarantee that you will make profits, let alone super profits, in this equity game. There are no sure-fire formula for success in the stock market. Some investors may gain and many others lose. There is even a risk of the complete loss of your capital. Remember equity is known as risk capital. You have to risk everything in order to gain something in the stock Markets.
3.Uncertainty of government policies
Consistency has never been a strong point of the Indian Government. Uncertain and changing policies of the government cause considerable damage to the profitability of companies which, in turn, affects the shareholders. A change in the government, of course, leads to considerable changes in policies.
4.Oversubscription of new issues
When you apply for new issues offered at par by a company belonging to a reputed group, it is likely that the issue may be oversubscribed several times.
5.Criticality of timing
Since timing is crucial both while buying or selling shares, you have always to be alert. If once you miss a good opportunity; you may have to wait for a long time for the next one. When prices rise, they rise quite fast when they fall, they plummet even faster.
6.Need for constant watch
Equity investment is not a one- shot affair; it demands your continuing involvement. You have to keep a constant watch on various environmental factors, such as economic conditions, an industry’s prospects, company’s performance, etc. sometimes it can be more preoccupying than a full time job. Many investors can neither afford nor are they inclined to spend so much time and energy on their investments. A possible solution to this problem is to entrust your equity portfolio to a reputed firm specializing in portfolio management. Alternatively, one may play the equity game through the mutual funds route.
7.Professional guidance is essential
It is possible that one may make some money in the beginning, through beginner’s luck. This often leads to aggressive buying of shares at high prices and subsequent panic sales, often at the lowest prices.
To avoid such wrong decisions, one may need expert and objective professional guidance which is both scarce and costly. Now a new breed of professional called CFAs (chattered Financial Analysts) is fast emerging in India.

Tuesday, May 25, 2010

What is Deposits In Companies

Normally Deposits are made with companies. Such deposits can also be made with private parties including deposits with friends, relatives, proprietary concerns as also with partnership firms. From the point of view of safety of the investment, the investment by way of ‘Deposits’ or Loans should be avoided. If the deposits are made with proprietary firms as well as with partnership firms, then the investment should only be made with known firms. The investor should invest very small portion of his funds by way of deposits or loans. While making deposit with a friend, or a firm or a relative always obtain a stamped receipt in respect of the amount invested by way of deposit. The stamped receipt should, in particulars of the cheque, terms of loan, and details of rate of interest and the details about date of repayment of the loan. Always make deposits by account payee cheque to avoid tax problem.

The deposit with a public limited company is a better mode of investment than by way of deposit or loan. The period of investment generally varies from one year to five years. The interest nowadays is generally between 6% to 10% p.a. depending on the maturity of the deposit. The investor gets the option to receive interest either monthly, quarterly, yearly or on cumulative basis. While filling up the form for deposit does mention clearly the mode of interest payment. Many public sector companies are also accepting deposits from the public. The investor’s confidence is more on the deposits made with a public sector undertaking. It has been our experience that the Public sector undertakings might be making huge losses but they have had a very good track record of timely payment of interest and principal amount. If an investor is interested to make investment by way of deposits, then he should better make investment in 4/5 different companies. The public sector undertakings should be given more weight age in selecting your investment for deposits. A big disadvantage of the investment in the form of deposits is that it cannot be withdrawn prematurely.