get started earnings

There are new ways to earn in India. The most followed way is ....

FREE TIPS FOR FIXED DEPOSIT

A fixed deposit (FD) probably ranks as the most conventional investment avenue for domestic investors. More importantly, given its offering, it makes an apt choice for risk-averse investors. In this article, we present 5 things investors must look at in an FD.

1. Credit profile
The FD's credit profile is an indicator of the degree of risk associated with it in terms of timely repayment of the principal and interest payment. For example, an 'AAA/FAAA' rating is indicative of the highest level of safety. Typically, an FD with a higher rating would offer lower returns vis-a-vis an FD with a lower rating. The additional return in a lower rated FD is in effect a compensation for the higher risk borne. Investors would do well to decide on the quantum of risk they are willing to bear and then select an FD.

2. Rate of return
Rate of return or interest rate indicates the return that the FD investor will clock. At any point in time, it is not uncommon to find various entities like banks, small savings schemes and corporates offering differential returns on similar rated FDs. Investors on their part would do well to scout various options and select the FD that offers them the best return at a rating that suits them.

3. Interest payout options
Investors can generally choose between various interest payout options like monthly, quarterly, annually or on maturity. Ideally, the investor's need for liquidity should be used to determine which interest payout option is chosen. Selecting the interest payout 'on maturity' option can help investors benefit from the compounding effect and clock a higher return.

4. Tenure
The FD's tenure is the period over which the investor stays invested. By and large, a longer tenure translates into a higher rate of return. Investors must match their investment tenure with their needs/objectives. For example, if the investor has an expense to meet 3 years hence, he can invest an appropriate amount in a 3-Yr FD to ensure that the maturity proceeds match his future obligation. On the same lines, if there is a 5-Yr investment tenure, then investments can be considered in tax-saving FDs; this will help the investor simultaneously benefit from tax sops under Section 80C.

5. Premature withdrawal
An often-ignored aspect of FD investing is the premature withdrawal clause. Investors opting for a premature withdrawal can be penalised by either being given a lower rate of return or zero interest depending on the terms and conditions of the FD. Investors would do well to acquaint themselves with the implications of a premature withdrawal before making an investment.

MUTUAL FUND INVESTMENTS

Today march 31 2008 the SENSEX fall down about 777 points and NSE fall down about 270 points.
Life insurance corporation had withdraw its MARKET PLUS - a ULIP policy which had a very good performance in the past two years create a huge proposals in this ending day. And there is an expectation of pushing HEALTH PLUS policy which covers health and sametime the ulip policy.
The another important thing is that the unfavourable situation in our indian market forced some changes in investing the mutual fund investments.

INVESTMENT IN PROPERTY IN HOTTEST PLACE I

Traditionally, the metropolitan towns of New Delhi, Mumbai (formerly Bombay), Chennai (formerly Madras), and Kolkata (formerly Calcutta) have been the hotspots of investment in the country. This was understandable since the country had not seen such rip-roaring success in the real estate sector prior to this time. Moreover, domestic and foreign investors were comfortable with the idea of investing in the cities with maximum connectivity within the country with well-established air, rail and road networks in and around these four metropolitan areas.
However, things have changed dramatically, with real estate investment bursting like never before in Tier II and Tier III cities. No doubt, the reason for this surge has been the overwhelming success of Indians in the service sectors, like IT and retail.
North India boasts of Chandigarh and its peripheral towns of Panchkula, Mohali, Dera Bassi, Zirakpur, and Baddi as the hottest and costliest real estate destinations in the country. Most of the luxurious flats are in the range of Rupees 1Billion-2Billion! Land for development is available only in the peripheral areas and that too at surging prices. The northern part of the country also has the National Capital Region (NCR) covering the capital New Delhi, Faridabad, Gurgaon, and Noida as major hotspots for residential, commercial, and industrial ventures.
Western India has its own success story with states of Gujarat and Maharashtra witnessing development at the rate of zeros. The cities of Mumbai, Pune, Nagpur, Ahmedabad, Surat, and Vadodara are being developed as role model cities for the entire country. These cities are historic in every sense of the term, yet the authorities are bent upon creating a marvelous blend of traditionalism and modernity where the development is equally relished along with historical charm.
If you are looking for a holiday home then property in Goa and Kerala are the best destinations. Of course, the price will be a little on the higher side, but these southern Indian states have been traditionally the hub of tourism in the country. If you are planning to invest in the Indian Silicon Valley, i.e., Bangalooru (formerly Bangalore), think again! The real estate market is out of bounds for the average investor. Only high-end investors can even think about having a property in this ultra-glam Indian city. Chennai is another option you can explore for residential and industrial property investment.
Eastern India is still learning the ropes as far as development is concerned. Barring Kolkata, most of this Indian region has largely remained bereft of too much development. However, with industrial majors, like Posco setting up their steel plant at Bhubaneswar, things are looking up in the poor state of Orissa. If you are looking to reap long-term real estate rewards, then East India is definitely a good investment opportunity.

TAKE DIVERSION IN FINANCE MARKET

Still now, the market can't be steady. So, take diversion in investing mode and turn your investment to the NFO's because, nobody wants their money to keep mom but wants to increase atleast a little bit daily. In the same time you can safeguard your money from loosing in the SHARE MARKET which dances for the international market's music. It is all interlinked with one another. If THE INTERNATIONAL MARKET performed good then our SENSEX and NIFTY will shows the green indices in which we all are happy. keep watching WWW.MONEYMADURAI.BLOGSPOT.COM which will give more and more information and tips for earning not only in SHARE MARKET but investing in REAL ESTATE and BUSSINESS.

INFRA STRUCTURE - A SMART INVESTMENT FIELD

One of the important learnings of this era of economic globalization has been the role of quality infrastructure in economic success.
It is now evident and clear that building high quality infrastructure is a pre-requisite for building a globally competitive economy.
The success stories built on investment in infrastructure in developed countries and more recently in South East Asia, Middle East and China etc are for all to see.
Global capital and models of public private partnerships are facilitating “early take - off” of these aspirations of building quality infrastructure.Whether it is growing Asia, emerging Europe, developing Africa or resurgent Latin America, the story of infrastructure development is on the front pages.
Closer home, we have witnessed success stories in the Golden Quadrilateral / Delhi Metro / Telecom infrastructure projects through public-private partnerships. New success stories in the areas of airports, power generation and distribution / SEZs are in the process of taking shape.
Thus the infrastructure phenomenon is happening in India and other growing economies.
The learning from other countries is helping to focus attention on building quality roads, airports, communication and power networks. Empirical evidence from the experience of developed economies suggests that development of urban infrastructure pays handsome dividends in establishing long term growth trajectories in growing economies.As we have seen economies in their growth phase show a much higher appetite and need for rapid infrastructure development, this has been chosen as the investment theme.The wheels of growing economies move on its infrastructure

BUDGET VIEW

This year’s Budget is largely neutral from the equity market point of view. The direction of the market, however, is largely going to be guided by global cues. The key thrust areas of investment are agriculture, irrigation, and education, which are medium to long-term positive for sustaining economic growth of 8 per cent. We find the government’s emphasis on the agriculture sector and the loan waiver schemes is designed to address needs of large segment of agri-based community and common populace (aam admi).
On the negative side, the lack of any economic reforms and initiatives in infrastructure segment, barring expression of intention for five further Ultra Mega Power Projects (UMPP) have come as major disappointment. There is a fierce debate on the issue of debt waiver/debt relief schemes announced for marginal and small farmers.
Including this waiver and one-time settlement schemes of other farmers, the total waiver is Rs 60,000 crore (Rs 50,000 crore + Rs 10,000 crore).
Based on the interaction with the PSU Bank’s management it is expected that the government will make budgetary provision to enable banks waive the outstanding amounts. However, post-Budget, the Finance Minister has mentioned a lack of budgetary provision for this populist move, which could expand the fiscal deficit to GDP ratio by 1 per cent.
The increase in personal income-tax slab will save Rs 44,000 – 47,000 as income tax in the hands of the assessee based on their gender (for taxable income up to Rs 5 lakh). This could spur personal consumption, as the disposable income will increase.
The cascading effect of Dividend Distribution Tax from subsidiaries to parent companies has been removed by allowing an offset mechanism. That should help many large corporate as operating subsidiaries are going to be more tax-efficient from dividend distribution point of view.
The measures that have come as a disappointment for the market are 1. Increase in short term capital gains tax from 10 per cent earlier to 15 per cent, and 2. Change of tax status of STT from set-off to income tax to income tax deductible expense item.
While the first factor is overall negative for short-term investors that provide liquidity to market, the second factor is expected to impact the arbitrager’s post-tax income.
Anoop Bhaskar, Head Equity, UTI AMC :
The Budget was largely positive for the debt market with the fiscal deficit projections and market borrowings lower than expectations. However, concerns remain on funding of the farm loans waiver and increased outlay for various sectors.
Increased spending plans along with reduced market borrowings could improve systemic liquidity and are positive for debt markets. The efforts to boost consumption through excise duty cuts, increased tax exemptions and measures to boost agriculture could be seen as pump priming.
The proposals to expand debt markets are positive and include launching of exchange -traded currency and interest rate futures, development of a transparent credit derivatives market, enabling investors to trade the embedded equity option in a convertible bond separately and market-based system for classifying financial instruments based on risks and complexity. Liquidity conditions impacted by lower-than-expected government spending in recent times could remain tight due to advanced tax flows. With global interest rates declining in recent months on the back of monetary easing by leading central banks across the globe, we expect interest rates to be steady with a downward bias.
The outlook for long-term bonds remains positive over a 9-12 month period and inflation along with liquidity are likely to drive market direction over the medium term. At this juncture, we believe investors should look at FMPs with double indexation benefits, short-term income funds and long-term bond funds (with appropriate risk profile).
Franklin Templeton Investments :
The main levers of the Indian economy are domestic consumption, domestic savings and the infrastructure investment cycle. Public-private partnerships in the domestic infrastructure sector get an additional boost from the increased budgetary outlay.
Also, the announcement of raising the minimum income-iax slab levels is very positive; redeeming significant resources in the hands of individual tax-payers. The increase in short-term capital gains is a positive step taken to make the domestic investors elongate their investment horizons.
Sandesh Kirkire, CEO, Kotak Mahindra
Asset Management
While this year’s Budget had relatively fewer provisions that have a major, direct impact on long-term investors, populist budgets are, in general, viewed as negative by the market, and this Budget was no exception, as evidenced by the subsequent fall. However, this Budget was made against the backdrop of an average GDP growth rate of 8.8 per cent over the last three years. GDP forecasts for next year are still over 8 per cent, and economic fundamentals continue to remain sound. Fidelity encourages investors to take a long-term view.
source: THE HINDU

NIFTY & SENSEX FACED THE HUGE FALL

NIFTY & SENSEX FACED THE HUGE FALL FROM THEIR ORIGINAL POINTS
Due to the collapse in the US market the total Asian market had to face the same impact,That is same in our Indian market. No body can predict the right situation, even the corporate SHARE BROKERS cannot picture the path of the Sensex or Nifty. On March 3rd , 2008 it’s a biggest fall ever before, Sensex down about 900.84 points which makes 17,000 pts to 16,667.88 pts. The same in the case of Nifty, which faced 270.50 pts down and closed at 4,963 pts.
Which factor makes this critical situation: The main reason is the SECURITY TRANSACTION TAX (STT) that altered in the budget proposals for 2008-2009. This is a big negative to the market. The same budget proposal done the favour for AUTOMOBILE section, which makes that particular section in green indication. Some what FMGC and Pharma stocks maintains the stability, but the bank sector faced the bad impact. We have to consider one thing, that the step back in bank index is not a real thing. Yes, without the huge volume transaction it meet out the downfall, so it is not a natural happening. These things make a wrong perception to the public, which avoids the entry of NEW INVESTORS to the market and the existing marketers too keep silent and watching the moving of INDIAN MARKET.
Let we hope the following announcements may move the market in forward:
1. KOTAK MAHINDRA put a distribution tie-up with ORIENTAL BANK OF COMMERCE. Kotak Mahindra plans to approach their product in this bank outlet. It is very easy to reach out to retail investors.
2. ICICI BANK planned to open three new branches in UK within sixmonths. They are having already nine branches in UK addition to that these plan is in execution. So there is a possibility for consolidated hike in global operation.
3. IVRCL the construction firm announced their projects which includes the Rs.478.48crore contract on NARMADA VALLEY DEVELOPMENT authority .
So all over the Indian companies are having good annual reports which gives us the confident of stable market.

THEORY OF INVESTMENTS:

Cash keeping idle: cash that kept in storage that doesn’t meant the savings unless it will be earn something to us. For that we have to invest that in some safer manner. So it will yield some money to us which makes our future in better way.

The reason to invest:
………….to face the future with uncertainty
……………to meet the cost of inflation
………………to achieve the specific goal in life
………………..to lead sophisticated way


Three golden rule for investing:
Invest early.
Invest regularly.
Invest for long term and not for short term.

The various type of investment:
Physical assets: we can invest in physical assets such as real estate, gold, commodities etc.
Financial assets: Investment on financial assets means investing in fixed deposits with banks and post office, provident funds, pension funds and mutual funds.
The most important thing is Securities market such as share trading, mutual funds.

What is meant by share:

The total capital of a company is divided into small units and each is called a share. For an example if the capital of a company is one lakh then it will be divided into ten thousand shares with the face value of rupees ten. On buying the number of the shares we want , we became the share holder of that company. A share holder has a right to vote in the election that happened within the management of that particular company. The price of the share which we bought for the face value of ten, will increase on the basis of the company performance, so that there may arise demand for the shares of that particular company.

Apart from the share value increasing, the company will give dividend to the share holders, which is nothing but a percentage in the annual profit of that company. The percentage of dividend vary with company to company. So the wise thing is buying the shares of best performing company.

SHARE TRADING - THE BASICS THEORY OF SHARE TRADING IS:

1. Buy low-sell high. As simple as this concept appears to be, the vast majority of investors do. The main thing of share trading is nothing but taking decision at the right time. That is buying the shares at low and sell it for high price which determine the success, or failure, of your investments. Your rate of return is determined 100% by regular visiting our web page www.moneymadurai.blogspot.com
2. The stock market is always right and price is the only reality in trading. If you want to make money in any market, you need to keep in touch with the performance of the market. If the market is downwards or upward, you don’t bother if you watch the company performance of your shares. Other things are, the longer you stay right with the stock market, the more money you will make. The longer you stay wrong with the stock market, the more money you will lose.
3. Every market or stock that goes up will go down and most markets or stocks that have gone down will go up. The more extreme the move up or down, the more extreme the movement in the opposite direction once the trend changes, this is also known as "the trend always changes rule."
4.Profit trading: To make a profit trading, it is only necessary to know whether market are moving or not and not about why they are moving. Stock market winners only care about direction and duration, while market losers are obsessed with the whys.
5. Don’t take heavy time to do the business: If you wait to invest until it is totally clear to you what is stock or where the market is moving, you have to assume that others have done the same thing and you may be too late. You need to get positioned before the largest directional trend move takes place.

TOWARDS 20,000 POINTS IN BSE

In last week, the sensex and nifty competite in moving downward. But,in the end of the last week it makes a front footed move and regain the 30% of the lossed points. No, problem it will excpected to the stability at the end of this week.

Note: This blog is created to give so many tips and training in sharemarket. we are in process to do the best for you. So keep visiting our site http://www.moneymadurai.blogspot.com/

WAIT FOR THE MARKET TO BE STEADY

Till yesterday, the market is not steady due to so many reasons that we all know.
More over we have to let the market to be steady. These up and down game makes
the marketers to be afraid.So, be relax and trade after the sensex and nifty points get a smooth walk towards the front.

DOWNFALL OF SENSEX -BSE

On continuous downfall of BSE SENSEX the small investors and brokers were totally shocked and few of them protest outside the BOMBAY STOCK EXCHANGE (BSE). As per the rule the market was stopped for an hour when the points craches to more than ten percentage. So, totally be wise in investing and have a keen trace out to the market. The easiest way to escape from the lose is to keep the holdings for a long term. We are very sure that this is a temporary crunch but our nation is in the way of development in all means. So, dont take the chance to fear and be cheer about the market, which will be fruitful in the following weeks.

SHARE ARTICLES

What is commodities trading

Commodity trading is nothing but trading in commodity derivatives (futures or options). In other words, if you are keen at taking a buy/sell position based on the future performance of commodities like gold, silver, agricultural commodities, metals, crude etc; then you could do so by trading in commodity derivatives.

Commodity derivatives are traded at the commodity exchanges. There are currently 2 major commodity exchanges NCDEX (National Commodity and Derivative Exchange) and MCX (Multi-Commodity Exchange). Gold, Silver, Agri-commodities including grains, pulses, spices, oils and oilseeds, mentha oil, metals and crude are some of the commodities that the exchanges deal in.