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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.

Tuesday, March 4, 2014

What is the difference between Public Provident Fund (PPF) and Employee Provident Fund (EPF) says Sachin Karpe

The Employee Provident Fund, or provident fund as it is normally referred to, is a retirement benefit scheme that is available to salaried employees. Under this scheme, a stipulated amount (currently 12%) is deducted from the employee's salary and contributed towards the fund. This amount is decided by the government.The employer also contributes an equal amount to the fund. The Public Provident Fund has been established by the central government. You can voluntarily decide to open one says Sachin Karpe. You need not be a salaried individual, you could be a consultant, a freelancer or even working on a contract basis. You can also open this account if you are not earning. Any individual can open a PPF account in any nationalized bank or its branches that handle PPF accounts. You can also open it at the head post office or certain select post offices.The minimum amount to be deposited in this account is Rs 500 per year. The maximum amount you can deposit every year is Rs 70,000.

Tuesday, February 25, 2014

Sachin Karpe Explains the Best Time to Invest in IT Stocks

The lure of big money has always thrown investors into the lap of stock markets. However, making money in equities is not easy. It not only requires oodles of patience and discipline, but also a great deal of research and a sound understanding of the market, among others. The typical buyer's decision is usually heavily influenced by the actions of his acquaintances, neighbours. Thus, if everybody around is investing in a particular stock, the tendency for potential investors is to do the same says Sachin Karpe. If you don't have time or temperament for studying the markets, you may even take the help of a suitable financial advisor. 'Shares sooner or later reach their fair market value.

Thursday, February 20, 2014

Sachin Karpe Shares 5 Thoughts that Can Super Motivate You

Whether you're an experienced entrepreneur or just starting out, there's nothing more essential to success than keeping yourself motivated.  Most people want to improve their situation but few take responsibility for motivating themselves to make changes says Sachin Karpe. People can always validate the decision to avoid unpleasant work. Motivation comes from managing your mind and your emotions. If you fail at this, you will live a life of quite desperation. The most depressing sentence in the world is ‘ someday I ‘ll’. If you find yourself thinking negative thoughts so to a quieter place and replace those thoughts with positive affirmations or meditation. To get big results, ask yourself big question.

Wednesday, February 19, 2014

5 Tips to Solve the Biggest Problems with Time Management by Sachin Karpe

You can’t “manage” your time but you can learn to better manage yourself.  “Time management” takes discipline and commitment. There are many hindrances to time management but they all relate back to how you regulate your life and productivity levels. It is a matter of the daily choices you make and how you set your priorities says Sachin Karpe. Time can be an elusive mystery when you are in a constant struggle to find more of it, so it is up to you to invest in your time, in your life, in your business. The first step toward success is to be cognizant of the level of disturbances which you allow into your day. It could revolve around the daily notifications you receive regarding text messages, emails, news alerts, phone calls or any other immediate disruption that diverts your focus from the task at hand. Learn to be fully engaged with whatever you are working on and give it 100% of your focus, otherwise, it may only get half done or be done inefficiently

Monday, February 17, 2014

Markets Struggle Inspite of UPA’s Vote-On-Account

Despite a strong start to the week, Indian equity markets continue to exhibit a listlessness that has become characteristic of the entire month of February. Given the aversion to any fresh commitments from FIIs or Domestic investors, the activity levels in the market continue to remain tepid – with only a smattering of the mid-caps seeing some interest. The ongoing Vote-on-Account by the UPA Government also seems to have got discounted by the market as a non-event as the range-bound movement of the indices indicate. Post the earnings announcements by almost all frontline Companies, the market seems to be in the mood to digest the numbers before it takes further cues from international trends, particularly the behaviour of the ETFs that are yet to make a comeback into Indian equities in any meaningful way. The flow of policy announcements from the Government too has been reduced to a trickle as the electoral battle starts to see some firming up. Technically, the market could test higher levels of 6200 in the interim but certainly does not demonstrate the strength to hold onto higher levels, and could find itself giving way to the sub 6000 levels sooner than later! Booking profits and sitting on cash at higher levels would be prudent enough for the patient long term investors.

Sunday, February 2, 2014

5 Healthy Habits for Entrepreneurs: Sachin Karpe Advice

It gives a kind of a kick to be an entrepreneur and manage your own company. While it is fun to be owns’ boss, it can also get tiring at times. To wane off unwanted stress, few health tips could come handy. Without much of efforts and some simple routine, you can easily maintain a healthy lifestyle, explains Sachin Karpe.

Early to bed and early to rise: The mother of all good habits. This habit sets a tone for a natural biological clock. It results in a healthy metabolism and efficiency.

Eat small potions in every 3 hours: The demanding work schedule could take away your precious meal time from you. Best is to carry fruits and nuts and chomp on them frequently. They not only keep you filled but also provide you with the fuel required for the day.

Take break between: You may virtually end up working all day. In such, it is wise to take a small break of atleast 30 minutes. Utilize this time to read something or listen to your favourite music. It keeps you rejuvenated and leaves you refreshed for the next challenging task of the day. It may sound to break your momentum for the day, but it only leaves you loving yourself more.

Workout or meditate: While you feel low on energy after the hectic day. Take some time off to concentrate on just your existence. A small 5 minutes meditation does the trick for you when you think of nothing and just focus on your breathe. That’s as integral for your body as food. If you are fond of physical activity, throw yourself to the gym. A mild workout helps shed out those extra kilos and keep the metabolism in place. The sedentary work style can be a like a slow poison. Therefore, work your body and give it the much needed physical churn.

Read a book: Books take you away from your existing world and provide an example sort of in your life. You never know when you get inspire from a simple but a meaningful sentence mentioned in a book. Gift yourself with a variety of books and cultivate a habit of reading. It takes sometime from you but gives back much more in ways you can’t imagine, feels Sachin Karpe.

Monday, January 27, 2014

Markets Open in Green After Yesterday’s Pull

Indian markets defied the previous session’s surprise gravitational pull and opened in the green, inspite of the SGX indicating a continuation of the weakness from the previous evening. Leading the pullback, surprisingly, were some heavy weighted banking stocks in the NIFTY, on the back of expectation of a CRR cut in the RBI policy announcement that is due in a couple of hours from now. While the broad consensus is that RBI Governor Dr. Rajan, is most likely to continue his stance to rein in inflation, there is a growing lobby of expectation that he would start doing something to prod growth too through the monetary policy route. Defensive such as the leading PHARMA and FMCG stocks buoyed by announcement of good earnings are also seeing some buying in an otherwise buying-averse market. Global cues that have softened overnight, are likely to give direction to our market as well, beyond the impact of the RBI Policy announcement. Markets are expected to be range bound, with a strong –ve bias for the rest of the week.

Wednesday, January 22, 2014

Sachin Karpe Gives Advices on Buying Mutual Funds

Sachin Karpe has few advices to give after you have decided to invest on mutual funds Firstly, when buying an investment one should take care that it matches your objective of investing in mutual funds and not simply picking up last year’s best performing funds. One should know about the set of expenses that come with an investment and calculate the expected return and even ensure that your funds are efficient and does not impose unreasonable charges. We should also evaluate long term performances of the investment and see the average rate of return and compare it with other similar funds in market.

Thursday, January 9, 2014

Tips for Financial and Wealth Management Advisor

Transparency and exposure concerns are similarly as paramount however can possibly be overcome when the Wealth managers takes the activity to make due ingenuity strategies that distinguish overall oversaw, amazing non-exchanged REIT speculation chances. The accompanying are five due persistence steps we accept fortune chiefs might as well take before proposing a proper non-exchange REIT as a speculation vehicle for their customer:

Take a gander at how the non-exchanged REIT has took care of past disappointments - No one has been resistant to the headwinds in the land business of the most recent a few years, so you need to perceive how certain players have gone disappointment. Particularly, did the players you are taking a gander at endeavor to execute an exhaustive workout arrange that influenced some measure of shareholder recuperation, however insignificant?

Guarantee openness of the official group - It's run of the mill for REIT organizations to welcome intrigued financial supervisors to their work places for due tirelessness outings. Stay aware that these outings have a tendency to be deals driven more and that the wholesaler by the precise nature of his or her occupation won't likely be 'active' with your relationship once the bargain has been made. Along these lines, from the beginning its vital to verify who is making the official choices at the non-exchanged REIT and if they will be often and consistently receptive after the buy is made in the interest of the customer.

Search for proactive correspondences and transparency - Companies might as well proactively give a cluster of correspondence past fundamental administrative.

Just think about overall created players - You need to think about industry veterans who have accomplished basic mass and have experienced no less than one or two full land life cycles, from the beginning property procurement to a liquidity occasion at the closure. Regardless of how capable the non-exchanged REIT group may be, the means by which overall financed they are and how constraining their system, the genuine knowledge of experiencing no less than one or two full land life cycles as an association is of principal vitality.

Look for second notions from claim to fame unbiased gathering exploration bunches - There is a little universe of speculation examination firms who have years of experience completing profound plunges and kicking the feels sick of non-exchanged REIT organizations. These firms can now and again be exorbitant; however it’s worth the beginning venture to help to better brief the choice making procedure.

Indices in red!

The tepid start to the Indian equity markets very quickly gave way to profit booking, pushing the indices into the red within minutes of market opening. The fiery run up in PSU banks witnessed yesterday too seem to be a distant cry – the only buzz that was discernible was within the mid cap space, esp in stocks with newsflow around themselves – the Gold Finance Companies for instance, thanks to the RBI’s announcement of letting them lend upto 75% of the Gold Value. The other stocks that are likely to get active as the session progresses are from the TECHNOLOGY sector, as people start taking calls on how INFY will come through with its earnings tomorrow! Otherwise, it seems to be a sideways, indecisive sort of a market that could continue within this narrow range for a few more days.

Friday, January 3, 2014

Banking stocks shine as markets open up in new year

Markets have opened up with a decent upmove from the previous close and BANKING seems to be the most favoured pocket for traders and investors alike – most of the mid cap PSU Banks such as ALBK, UCOBK, FEDERALBNK have seen some sharp accumulation in the previous few sessions and it seems that market participants expect this pocket to be the front-runner to any sort of a +ve news flow from the RBI or the Goverment’s side. The other pocket that seems to be seeing some traction is the POWER sector with the Government clearly focussed onto clearling some of the policy-related backlogs –the CCEA’s stance on the Mega Power Projects being a case in point. Counters like POWERGRID, PTC, TATAPOWER, RPOWER, ADANIPOWER are expected to be abuzz during today’s session. The auto sales nos could have a dampening effect on the domestically oriented players like M&M, while the global play in other counters like TATAMOTORS and MARUTI could keep them insulated from any disappointments that the domestic sales numbers may bring about. Cautious trading along with profit booking is advisable.