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Thursday, May 29, 2014

The Advantages of a Saving Account

A saving account is a safe place to keep your hard earned money and use them wisely.  With saving account you also can earn in the form of interest. Interest earned will normally be liable to pay assess yet it is conceivable to spare assessment free.  Saving account also helps to develop a long term financial plans.

The main profit of keeping your money in a savings account as opposed to a current account is that savings accounts offer more favourable premium rates on your account balance. You may even be offered a savings account which pays reward investment rates on high adjusts notwithstanding a general premium rate. Such profits are frequently offered to new clients or customers who agree not to make withdrawals from their saving accounts. This is particularly valid for online savings accounts, which profit from easier running expenses than their branch-based partners and can stand to offer very liberal premium rates.

Monday, April 14, 2014

How to Write an Article in a Best Way Tips from Sachin Karpe

Writing an article is fun and easy, only if you understand and know the art of writing says Sachin Karpe

1. Before you start writing, decide what you want to write and what the content will be about. Once you decided choose one focus keyword which would be the main subject of the piece. Whether its a long tail keyword or short keyword your content should be based on that specific keyword.

2. Usage of keywords. Use your keyword wherever necessary, but ensure you do not use extend your keyword density more than 3% in your entire article. Use your keywords in first two paras and the last para. Maximum thrice you can use your keywords in the entire article. If its a long tail keyword, then you can break the keyword and frame in a sentence using all the keywords into it. But ensure it should give meaning and do not stuff the keywords. 

3. Use your keyword in your content title and ensure the keyword should place as close to the beginning of the title as possible. Title should be more than 70 characters. Also use the keyword in summary within phrases rather than just use the keyword. 

4. Avoid grammatical errors and spelling mistakes in your content. Always keep error free and simple so that the user understands what you have written. 

5. Use image or videos relevant to your content. Use alt tag, h1 tags and author info. Make sure your content is unique and do not use synonyms. 

Last but least once published your content start promoting through social media such as facebook, twitter and linkedin.

Monday, March 31, 2014

RBI’s monetary policy tomorrow likely to be neutral: Sachin Karpe

The Reserve Bank will come out with its third quarter review of monetary policy tomorrow. Reserve Bank of India's monetary policy review will be a decisive factor for markets this week. Analysts are widely expecting the apex bank will keep interest rates on hold. RBI has indicated earlier that its priority would be to rein in inflation, although India Inc has been pushing for cut in interest rates as a booster dose for economic growth. RBI in January raised the key repo rate by 0.25 per cent to 8 per cent says market analyst Sachin Karpe

Tremendous pressure on the exports was observed as there was inflow of foreign currency and strengthening of the rupee against dollar. According to MD Shyam Srinivasan of Federal Bank, RBI may go in for a pause this time. Punjab National Bank’s chairman and managing director K R Kamath says the RBI action will depend on an outlook on inflation. According to Morgan Stanley volatility in food prices might result in CPI inflation. The present economic situation may not warrant any rate hike says SBI’s economic research team. Last December, RBI pressed the pause button on its monetary tightening measures and said it might go for rate cuts in the future depending on moderation in inflation. Mr. Sachin Karpe says RBI has gone public on targeting CPI-based inflation down to 8 per cent by January 2015 and further down to 6 per cent by January 2016, as per the recommendations of the Patel committee. Observing neutral sentiments and given the country’s economy, Sachin Karpe also feels that RBI may just maintain a status quo.

Monday, March 24, 2014

Sachin Karpe Explains the Fundamental Principles of a Sound Banking System?

 Sachin Karpe, Sound Banking System

Sachin Karpe talks about the fundamental principles of a sound banking system. A sound banking system must have a heavy handed regulator that enforces a number of best practices upon the supervised banks. This regulator is usually a Central Bank, such as the FED. These best practices are, in sum: 1. Asset/Liability pricing at market levels ensures banks' numbers reflect the current reality/ health of their finances. 2. Controls: banks must monitor their activities, liquidity and solvency daily. They must have sound systems and controls in place. 3. Capitalization: Regulators must ensure banks hold enough capital to absorb potential losses. The capitalization handbook is the Basel regulation, that establishes leverage levels for all banks worldwide. 4. Risk Controls: Banks must manage risk exposures pro-actively. Mr. Karpe also adds on the market side, this means measuring value-at-risk, stress testing portfolios, etc. On the credit side, it must analyse and monitor clients constantly, and provision losses based on credit ratings and probabilities of default says Sachin Karpe.

Monday, March 10, 2014

Which Are the Best Tax-Saving Mutual Funds (MFs) in India? Shares Sachin Karpe

Tax Savings, Mutual Funds, Save Tax

Let us take a look on the top 5 tax saving funds worth investing for purpose of claiming tax benefit under Sec. 80C of Income tax Act. Franklin India is a new entrant in our Top 5 pipping Sundaram BNP on account of excellent Risk Rating.The fund has above 35,000 crore Avg. Mkt. capitalization and equity exposure is more than 97% of the assets explains Sachin Karpe. Birla Equity offers excellent returns from all parameters, but standard deviation of 24.42 , this growth comes with comparatively high risk. The fund has 9394 crore of AMC with high exposure in Engineering, Services and Financial service sectors.