tag:blogger.com,1999:blog-86957682616841771222024-03-06T05:46:29.855+05:30SomeshPersonal Finance Freelance Consultant - This blog covers mostly on Personal Finance Advisory and much more about Financial productsSomesh Renganathanhttp://www.blogger.com/profile/02237444388087338120noreply@blogger.comBlogger30125tag:blogger.com,1999:blog-8695768261684177122.post-89527053025333174372023-03-04T08:18:00.001+05:302023-03-04T08:18:48.786+05:30Sovereign Gold Bond Price History | SGB Price HistorySovereign Gold Bonds is one of the best ways to invest in Gold. It provides <u>Fixed 2.5% per year</u> on invested amount + Gold’s market returns. Guaranteed by the Government of India. These bonds have are Safe Investment since it <u>can be held in demat form</u>, have <u>no management fees</u> or other charges, <u>no hidden charges</u> or GST.
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Please find below the list of Sovereign Gold Bond - SGB Issue price since it was issued. Updated till March,2023.
<br /><br />
<div class="separator" style="clear: both;"><img alt="Sovereign Gold Bond Issue Price History SGB Issue Price History" border="0" data-original-height="1280" data-original-width="1920" loading="lazy" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhyJNxDOInFHh2esDYz0a7dHRG0RBfTBNR2oHSxeK9Ubzz_WUKOQ1WaqCGsxYtqnwEPePVPw1r-UQIlK8I2Zsveod9-v5HdjGHRQBY38PX8NS0hAdoEnvT6elALhoGr0EpOO6Om4OS-OTkigC0oVE2HSOe8eVeLZDtX8thoG0VWnd7n1AgqFUjzpUsubw/s1600/Sovereign-Gold-Bond-Price-History-SGB-Issue-Price-History.webp" /></div>
<br />
<div itemscope="" itemtype="https://schema.org/Table">
<h2 itemprop="about">SGB Issue FY 2022 - 2023</h2>
The series prices for the financial year 2022-2023 is given below. These will get mature on year 2030-2031.
<table class="GeneratedTable">
<thead>
<tr>
<th><center>Series</center></th>
<th><center>Month</center></th>
<th><center>Price per Gram</center></th>
</tr>
</thead>
<tbody>
<tr>
<td><center>Series 1</center></td>
<td><center>June 2022</center></td>
<td><center>Rs.5,091</center></td>
</tr>
<tr>
<td><center>Series 2</center></td>
<td><center>August 2022</center></td>
<td><center>Rs.5,197</center></td>
</tr>
<tr>
<td><center>Series 3</center></td>
<td><center>December 2022</center></td>
<td><center>Rs.5,409</center></td>
</tr>
<tr>
<td><center>Series 4</center></td>
<td><center>March 2023</center></td>
<td><center>Rs.5,611</center></td>
</tr>
</tbody>
</table></div>
<br />
<div itemscope="" itemtype="https://schema.org/Table">
<h2 itemprop="about">SGB Issue FY 2021 - 2022</h2>
The series prices for the financial year 2021-2022 is given below. These will get mature on year 2029-2030.
<table class="GeneratedTable">
<thead>
<tr>
<th><center>Series</center></th>
<th><center>Month</center></th>
<th><center>Price per Gram</center></th>
</tr>
</thead>
<tbody>
<tr>
<td><center>Series 1</center></td>
<td><center>May 2021</center></td>
<td><center>Rs.4,777</center></td>
</tr>
<tr>
<td><center>Series 2</center></td>
<td><center>May 2021</center></td>
<td><center>Rs.4,842</center></td>
</tr>
<tr>
<td><center>Series 3</center></td>
<td><center>June 2021</center></td>
<td><center>Rs.4,889</center></td>
</tr>
<tr>
<td><center>Series 4</center></td>
<td><center>July 2021</center></td>
<td><center>Rs.4,807</center></td>
</tr>
<tr>
<td><center>Series 5</center></td>
<td><center>August 2021</center></td>
<td><center>Rs.4,790</center></td>
</tr>
<tr>
<td><center>Series 6</center></td>
<td><center>September 2021</center></td>
<td><center>Rs.4,732</center></td>
</tr>
<tr>
<td><center>Series 7</center></td>
<td><center>October 2021</center></td>
<td><center>Rs.4,765</center></td>
</tr>
<tr>
<td><center>Series 8</center></td>
<td><center>November 2021</center></td>
<td><center>Rs.4,791</center></td>
</tr>
<tr>
<td><center>Series 9</center></td>
<td><center>January 2022</center></td>
<td><center>Rs.4,786</center></td>
</tr>
<tr>
<td><center>Series 10</center></td>
<td><center>March 2022</center></td>
<td><center>Rs.5,109</center></td>
</tr>
</tbody>
</table></div>
<br />
<div itemscope="" itemtype="https://schema.org/Table">
<h2 itemprop="about">SGB Issue FY 2020 - 2021</h2>
The series prices for the financial year 2020-2021 is given below. These will get mature on year 2028-2029.
<table class="GeneratedTable">
<thead>
<tr>
<th><center>Series</center></th>
<th><center>Month</center></th>
<th><center>Price per Gram</center></th>
</tr>
</thead>
<tbody>
<tr>
<td><center>Series 1</center></td>
<td><center>April 2020</center></td>
<td><center>Rs.4,639</center></td>
</tr>
<tr>
<td><center>Series 2</center></td>
<td><center>May 2020</center></td>
<td><center>Rs.4,590</center></td>
</tr>
<tr>
<td><center>Series 3</center></td>
<td><center>June 2020</center></td>
<td><center>Rs.4,677</center></td>
</tr>
<tr>
<td><center>Series 4</center></td>
<td><center>July 2020</center></td>
<td><center>Rs.4,852</center></td>
</tr>
<tr>
<td><center>Series 5</center></td>
<td><center>August 2020</center></td>
<td><center>Rs.5,334</center></td>
</tr>
<tr>
<td><center>Series 6</center></td>
<td><center>September 2020</center></td>
<td><center>Rs.5,117</center></td>
</tr>
<tr>
<td><center>Series 7</center></td>
<td><center>October 2020</center></td>
<td><center>Rs.5,051</center></td>
</tr>
<tr>
<td><center>Series 8</center></td>
<td><center>November 2020</center></td>
<td><center>Rs.5,177</center></td>
</tr>
<tr>
<td><center>Series 9</center></td>
<td><center>December 2020</center></td>
<td><center>Rs.5,000</center></td>
</tr>
<tr>
<td><center>Series 10</center></td>
<td><center>January 2021</center></td>
<td><center>Rs.5,104</center></td>
</tr>
<tr>
<td><center>Series 11</center></td>
<td><center>February 2021</center></td>
<td><center>Rs.4,912</center></td>
</tr>
<tr>
<td><center>Series 12</center></td>
<td><center>March 2021</center></td>
<td><center>Rs.4,662</center></td>
</tr>
</tbody>
</table></div>
<br />
<div itemscope="" itemtype="https://schema.org/Table">
<h2 itemprop="about">SGB Issue FY 2019 - 2020</h2>
The series prices for the financial year 2019-2020 is given below. These will get mature on year 2027-2028.
<table class="GeneratedTable">
<thead>
<tr>
<th><center>Series</center></th>
<th><center>Month</center></th>
<th><center>Price per Gram</center></th>
</tr>
</thead>
<tbody>
<tr>
<td><center>Series 1</center></td>
<td><center>June 2019</center></td>
<td><center>Rs.3,196</center></td>
</tr>
<tr>
<td><center>Series 2</center></td>
<td><center>July 2019</center></td>
<td><center>Rs.3,443</center></td>
</tr>
<tr>
<td><center>Series 3</center></td>
<td><center>August 2019</center></td>
<td><center>Rs.3,499</center></td>
</tr>
<tr>
<td><center>Series 4</center></td>
<td><center>September 2019</center></td>
<td><center>Rs.3,890</center></td>
</tr>
<tr>
<td><center>Series 5</center></td>
<td><center>October 2019</center></td>
<td><center>Rs.3,788</center></td>
</tr>
<tr>
<td><center>Series 6</center></td>
<td><center>October 2019</center></td>
<td><center>Rs.3,835</center></td>
</tr>
<tr>
<td><center>Series 7</center></td>
<td><center>December 2019</center></td>
<td><center>Rs.3,795</center></td>
</tr>
<tr>
<td><center>Series 8</center></td>
<td><center>January 2020</center></td>
<td><center>Rs.4,016</center></td>
</tr>
<tr>
<td><center>Series 9</center></td>
<td><center>February 2020</center></td>
<td><center>Rs.4,070</center></td>
</tr>
<tr>
<td><center>Series 10</center></td>
<td><center>March 2020</center></td>
<td><center>Rs.4,260</center></td>
</tr>
</tbody>
</table></div>
<br />
<div itemscope="" itemtype="https://schema.org/Table">
<h2 itemprop="about">SGB Issue FY 2018 - 2019</h2>
The series prices for the financial year 2018-2019 is given below. These will get mature on year 2026-2027.
<table class="GeneratedTable">
<thead>
<tr>
<th><center>Series</center></th>
<th><center>Month</center></th>
<th><center>Price per Gram</center></th>
</tr>
</thead>
<tbody>
<tr>
<td><center>Series 1</center></td>
<td><center>April 2018</center></td>
<td><center>Rs.3,114</center></td>
</tr>
<tr>
<td><center>Series 2</center></td>
<td><center>October 2018</center></td>
<td><center>Rs.3,146</center></td>
</tr>
<tr>
<td><center>Series 3</center></td>
<td><center>November 2018</center></td>
<td><center>Rs.3,183</center></td>
</tr>
<tr>
<td><center>Series 4</center></td>
<td><center>December 2018</center></td>
<td><center>Rs.3,119</center></td>
</tr>
<tr>
<td><center>Series 5</center></td>
<td><center>January 2019</center></td>
<td><center>Rs.3,214</center></td>
</tr>
<tr>
<td><center>Series 6</center></td>
<td><center>February 2019</center></td>
<td><center>Rs.3,326</center></td>
</tr>
</tbody>
</table></div>
<br />
<div itemscope="" itemtype="https://schema.org/Table">
<h2 itemprop="about">SGB Issue FY 2017 - 2018</h2>
The series prices for the financial year 2017-2018 is given below. These will get mature on year 2025-2026.
<table class="GeneratedTable">
<thead>
<tr>
<th><center>Series</center></th>
<th><center>Month</center></th>
<th><center>Price per Gram</center></th>
</tr>
</thead>
<tbody>
<tr>
<td><center>Series 1</center></td>
<td><center>April 2017</center></td>
<td><center>Rs.2,951</center></td>
</tr>
<tr>
<td><center>Series 2</center></td>
<td><center>July 2017</center></td>
<td><center>Rs.2,830</center></td>
</tr>
<tr>
<td><center>Series 3</center></td>
<td><center>October 2017</center></td>
<td><center>Rs.2,956</center></td>
</tr>
<tr>
<td><center>Series 4</center></td>
<td><center>October 2017</center></td>
<td><center>Rs.2,987</center></td>
</tr>
<tr>
<td><center>Series 5</center></td>
<td><center>October 2017</center></td>
<td><center>Rs.2,971</center></td>
</tr>
<tr>
<td><center>Series 6</center></td>
<td><center>October 2017</center></td>
<td><center>Rs.2,947</center></td>
</tr>
<tr>
<td><center>Series 7</center></td>
<td><center>November 2017</center></td>
<td><center>Rs.2,934</center></td>
</tr>
<tr>
<td><center>Series 8</center></td>
<td><center>November 2017</center></td>
<td><center>Rs.2,961</center></td>
</tr>
<tr>
<td><center>Series 9</center></td>
<td><center>November 2017</center></td>
<td><center>Rs.2,964</center></td>
</tr>
<tr>
<td><center>Series 10</center></td>
<td><center>November 2017</center></td>
<td><center>Rs.2,961</center></td>
</tr>
<tr>
<td><center>Series 11</center></td>
<td><center>December 2017</center></td>
<td><center>Rs.2,952</center></td>
</tr>
<tr>
<td><center>Series 12</center></td>
<td><center>December 2017</center></td>
<td><center>Rs.2,890</center></td>
</tr>
<tr>
<td><center>Series 13</center></td>
<td><center>December 2017</center></td>
<td><center>Rs.2,866</center></td>
</tr>
<tr>
<td><center>Series 14</center></td>
<td><center>December 2017</center></td>
<td><center>Rs.2,881</center></td>
</tr>
</tbody>
</table></div>
<br />
<div itemscope="" itemtype="https://schema.org/Table">
<h2 itemprop="about">SGB Issue FY 2016 - 2017</h2>
The series prices for the financial year 2016-2017 is given below. These will get mature on year 2024-2025.
<table class="GeneratedTable">
<thead>
<tr>
<th><center>Series</center></th>
<th><center>Month</center></th>
<th><center>Price per Gram</center></th>
</tr>
</thead>
<tbody>
<tr>
<td><center>Series 1</center></td>
<td><center>July 2016</center></td>
<td><center>Rs.3,119</center></td>
</tr>
<tr>
<td><center>Series 2</center></td>
<td><center>September 2016</center></td>
<td><center>Rs.3,150</center></td>
</tr>
<tr>
<td><center>Series 3</center></td>
<td><center>October 2016</center></td>
<td><center>Rs.3,007</center></td>
</tr>
<tr>
<td><center>Series 4</center></td>
<td><center>February 2017</center></td>
<td><center>Rs.2,943</center></td>
</tr>
</tbody>
</table></div>
<br />
<div itemscope="" itemtype="https://schema.org/Table">
<h2 itemprop="about">SGB Issue FY 2015 - 2016</h2>
The series prices for the financial year 2015-2016 is given below. These will get mature on year 2023-2024.
<table class="GeneratedTable">
<thead>
<tr>
<th><center>Series</center></th>
<th><center>Month</center></th>
<th><center>Price per Gram</center></th>
</tr>
</thead>
<tbody>
<tr>
<td><center>Series 1</center></td>
<td><center>November 2015</center></td>
<td><center>Rs.2,684</center></td>
</tr>
<tr>
<td><center>Series 2</center></td>
<td><center>January 2016</center></td>
<td><center>Rs.2,600</center></td>
</tr>
<tr>
<td><center>Series 3</center></td>
<td><center>March 2016</center></td>
<td><center>Rs.2,916</center></td>
</tr>
</tbody>
</table></div>
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</style>Somesh Renganathanhttp://www.blogger.com/profile/02237444388087338120noreply@blogger.comChennai, Tamil Nadu, India13.0826802 80.2707184-15.227553636178845 45.114468400000007 41.392914036178844 115.4269684tag:blogger.com,1999:blog-8695768261684177122.post-963072906764248202023-02-06T22:32:00.002+05:302023-02-06T22:33:10.711+05:306 Unique Financial Habits of Rich People<p>Many of us are surprised to see the rich getting richer. Everything they touch turns to gold. Like King Midas, have they received the gift of turning everything they touch to gold? No. Rich people follow five main cash flows to multiply their money. Let's see what those money habits are.</p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjwkrr__WlMBaeo5M0NU1W9jlXVxDhJkl3KFU_YWgufoxHz-JxDlVqb4ru2PHJwEPxaA5E_jGtzWGNUh-bY5wMCKSLy02upvXzu8a_j7F_kQmNqES99Y1LDwP0E0D4Bj2Tu8iS-HhiWFslstmyypC9Rom9DlwhVF6ayjOpeZd7oIBXYwMh5fgxYFQiX8w/s2400/6-Financial-Habits-of-Rich-People-Millionaires.webp" style="margin-left: 1em; margin-right: 1em;"><img alt="6 Financial Habits of Rich People and Millionaires" border="0" data-original-height="1600" data-original-width="2400" loading="lazy" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjwkrr__WlMBaeo5M0NU1W9jlXVxDhJkl3KFU_YWgufoxHz-JxDlVqb4ru2PHJwEPxaA5E_jGtzWGNUh-bY5wMCKSLy02upvXzu8a_j7F_kQmNqES99Y1LDwP0E0D4Bj2Tu8iS-HhiWFslstmyypC9Rom9DlwhVF6ayjOpeZd7oIBXYwMh5fgxYFQiX8w/s2400/6-Financial-Habits-of-Rich-People-Millionaires.webp" /></a></div><h3 style="text-align: left;">1. Rich people don't Panic</h3><p>Rich people often don't get nervous about anything; They will not hurry. In particular, they will not act impulsively. Due to the spread of the Corona virus, in March 2020, the international markets, including the Indian stock market, experienced a fall of almost 40%. Most investors were nervous. In fear and panic, many investors sold stocks at low prices. But rich investors were not the only ones who calmly did not sell stocks and invested fresh thinking that this is a good time to buy. Today the Indian stock market is up 90% from its March 2020 low. Those who sold shares in panic are upset that they have made a mistake. Those who bought stocks on the dip without panicking are now happily 'booking profits'.</p><h3 style="text-align: left;">2. Rich people avoid bad debts</h3><p>We have good debt and bad debt. Good credit can multiply your money. For example, business loans are available at 11 - 13% interest. By taking this loan and using it for business development, they earn 18 - 20% income. Instead of spending more on things that depreciate in value, they invest more in things that increase in value. For example, lifestyle gadgets are not bought on credit. Don't buy things with a credit card. All of these are depreciable assets and therefore dissolve cash. Most cash buyers buy a car with their own money. They never take credit for that.</p><h3 style="text-align: left;">3. Rich people protect their assets and manage risks</h3><p>Often, rich people do not take endowment policies that provide maturity benefits. They know that these types of annuity policies do not return an average of more than 5 percent per annum in the long run. They take a term plan that offers more coverage at a lower premium. That too they have taken a policy for coverage worth crores of rupees. Similarly, they have taken adequate health insurance policy for themselves and their family. The rich are always in the habit of spending less and getting more.</p><h3 style="text-align: left;">4. Rich people Diversify their Investments</h3><p>They say "don't put all your eggs in one basket". This illustrates two things. One, if the basket falls, all the eggs will break. Next, don't always rely on just one thing for one thing. When it comes to investing, the rich don't put a lump sum into any one asset class. Their assets are spread across stock market, gold, real estate, bank fixed deposits, mutual funds. Diversification is the basis of wealth creation. Rich people always keep their investments under their control. They don't always put their entire money into assets like real estate that are not easily liquidated.</p>
<b><u>Also Read</u></b>: <a href="https://www.someshr.com/2023/02/Sovereign-Gold-Bond-Price-History.html" target="_blank"><b>Sovereign Gold Bonds Issue Price History</b></a><br/><br/>
<h3 style="text-align: left;">5. Rich people take Quick Decisions</h3><p>Rich people never postpone or delay their decisions. If they are committed to a plan, they quickly implement it and succeed. Rich people know that procrastination can lead to money loss and are careful about managing money properly. Bad habits like smoking and drinking can affect our health. Similarly, bad money habits can make us poor. So, adopt the right money habits to add more money to your life!</p><h3 style="text-align: left;">6. Rich people plan their Taxes and Passive Income Streams</h3><p>Taking full advantage of all tax incentives is a money habit of the rich. Because they have to pay more taxes on the interest income they get from their bank savings account, they shift the amount to stock market investments (corporate stocks, equity funds) that pay less tax on profits. Rich people rush to arrange passive income. That is, they tend to earn permanent income from a one-time expenditure or investment. For example, rental income from buildings can refer to income on investment.</p>Somesh Renganathanhttp://www.blogger.com/profile/02237444388087338120noreply@blogger.comChennai, Tamil Nadu, India13.0826802 80.2707184-15.227553636178845 45.114468400000007 41.392914036178844 115.4269684tag:blogger.com,1999:blog-8695768261684177122.post-77843997984303165632023-01-01T20:05:00.000+05:302023-01-01T20:05:09.808+05:3011 Personal Finance New Year Resolutions for 2023New Year has arrived. We are all ready for a new beginning. In the new year, we resolve to adopt a new lifestyle as a new person. By making the following 10 New Year's resolutions related to our personal finances and sticking to them, we can add more resources to our lives.
<br /><div class="separator" style="clear: both; text-align: center;"><img loading="lazy" alt="Personal Finance New Year Resolutions" border="0" data-original-height="1276" data-original-width="1920" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgNQLsi9S5HhpbDSHBUfEyrgj7wcj3YfBOUazf27aHLsJEt-UjZWaKbp0E0pofqjMMBSDJZs5oW9xfvdv13cbfh44V_QBXx0bZW1dVn0hB8iHJVuJB32vQDrZV1LSETaQ9ncOkLSxD2STnV3PD3CrLuGPed2DDJAqEOOJTScURvprYr8O1OZDko-tUrDQ/s16000/Personal-Finance-New-Year-Resolutions.webp" title="Personal Finance New Year Resolutions" /></div><br />
<h2>Family Budget</h2>
Keeping your expenses within a budget will ensure you reach your personal finance goals. If you're already budgeting for your family, stick to it. If there are any unnecessary expenses, eliminate them and increase savings.
<br /><br />
If you've never set a family budget, the New Year is a great time to start. Include this as first in your financial decision.
<br /><br />
Divide the monthly salary or earnings into following parts. 30% for household expenses (rent, food), 30% for lifestyle expenses, 20% for savings, investment and 20% for loan repayments. If you reside in your Own house and if you don't have a loan, you can get rich quickly if you add the amount to savings and investments.
<br /><br />
<h2>Track Savings and Spendings</h2>
Saving should be an important part of our life. It is an important tool for achieving your financial goals. Create a spending plan while creating a savings plan. In doing so, costs are kept under control.
<br /><br />
Practice saving a certain amount of salary and income and spending the rest. By doing this, saving is never interrupted. You can easily save from 10% of salary to 50%. Make a financial resolution this year to increase your savings instead of increasing your spending to match your increase in salary.
<br /><br />
<h2>Health and Term Insurance</h2>
The foundation of financial planning is taking a life insurance policy to protect the future of your loved ones. If there is no income earner in the family, it is necessary to calculate the amount required to maintain the standard of living of the family members and take a life insurance policy for that amount.
<br /><br />
Term insurance is very affordable, providing more coverage at lower premiums and providing complete financial security to family members.
<br /><br />
A general rule of thumb is to have life insurance worth 10-15 times the family's annual income. If there is a home loan, car loan, personal loan, etc., it is better to take a separate term insurance policy for that amount.
<br /><br />
If you already have life insurance, increase the coverage amount sufficiently. If you haven't taken life insurance yet, now is the time to do so. Be sure to include this in your New Year's resolution.
<br /><br />
Next, take out a health insurance policy that will reduce the family's medical expenses. Take a policy of Rs.5 Lakh - Rs.10 Lakh. Get as much as you can. If not, take a policy for Rs.2 lakh or Rs.3 lakh and top up policy for Rs.5 lakh or Rs.10 lakh. The reason is that while the general consumer inflation rate is 6% - 7% percent, the medical inflation rate is as high as 18% - 20%.
<br /><br />
<h2>Emergency Fund</h2>
The impact of Covid-19 has taught us all that an emergency fund should always be ready to help in times of crisis. Always keep cash ready for at least three to six months of expenses. This amount can be in fixed deposit or liquid mutual funds. This amount should not be touched unless required.
<br /><br />
<h2>Minimize and Close your Debts</h2>
Bad credit creates stress and anxiety for a person. So, this year, resolve to live a stress-free and peaceful life by avoiding bad debts. You can avoid debt problems by reducing your credit card spending. Next, emotional stimulation can reduce or avoid unwanted substance purchases. It is better to understand that debt is the biggest obstacle to the proper execution of financial plans.
<br /><br /><b><u>Also See</u>: <a href="https://www.someshr.com/2022/12/Mistakes-You-Make-with-Your-Credit-Card.html" target="_blank">9 Mistakes you Make with your Credit Card</a></b><br /><br />
<h2>Prioritize Investments</h2>
Savings and investment can be increased by cutting unnecessary expenses. Saving money is equal to earning it. Savings account earns around 3% interest. Keep some money in savings account only for very short-term needs and invest the rest in debt funds for medium-term cash needs and equity funds for long-term needs. Also, increase savings without increasing spending when salary increases. This will help you achieve your financial goals sooner. So make a resolution to increase your SIP investment every year in this New Year.
<br /><br />
<b><u>Also See</u>: <a href="https://www.someshr.com/2022/12/10-Methods-for-Successful-Stock-Market-Investment.html" target="_blank">10 Methods for Successful Stock Maket Investment</a></b><br /><br />
<h2>Check your Retirement Corpus</h2>
If you are not eligible for pension after you retire from your career, you are responsible to build your own corpus for the retirement. Try to review the corpus accumulated, or try to create one if you have not not planned yet. As the inflation increases, you need to plan your retirement corpus accordingly.
<br /><br />
<b><u>Also See</u>: <a href="https://www.someshr.com/2022/05/Old-Age-Home-Expense-And-Cost-In-India.html" target="_blank">Old Age Home Expense and Cost in India</a></b><br /><br />
<h2>Plan your Income Tax Ahead</h2>
Make a financial resolution to start investing in income tax saving investments from the beginning of the year. Investing at the last minute to get tax benefits is often misplaced. Realize that planning ahead at the beginning of the financial year can help you choose the right tax saving investment based on your age, risk appetite, financial goals and needs.
<br /><br />
<h2>Create a Financial Calendar</h2>
Make sure to create a calendar for financial matters. You can plan what expenses and investments should be made in which months, and you can keep them in it. Monthly payments, payments to be paid at certain intervals, annual payments and the dates for them, etc. can be noted in it. A diary can be used for this. Or you can mark it on the monthly calendar with a colored marker so that it is visible.
<br /><br />
<h2>Discuss with your Family</h2>
Teach your children to save money. Make them understand the family's financial goals and get them involved in the family budget. Plan together as a husband and wife. Share financial responsibilities with family members. Before making any big expenditure or investment, the family members should sit down together and make a decision.
<br /><br />
<h2>Gain Financial Knowledge</h2>
Resolve to learn about Personal Finance Management. For this, you can browse through this blog and visit websites like Economic Times, The Hindu Business Line etc to be aware of the day to day financial news.
<br /><br />
Keep New Year's financial resolutions and goals realistic. This is more important to be on track in your personal finanical journey.Somesh Renganathanhttp://www.blogger.com/profile/02237444388087338120noreply@blogger.comChennai, Tamil Nadu, India13.0826802 80.2707184-15.227553636178845 45.114468400000007 41.392914036178844 115.4269684tag:blogger.com,1999:blog-8695768261684177122.post-89047291335111432202022-12-28T09:44:00.001+05:302022-12-28T09:44:04.080+05:30How to Invest Money in Stock MarketMany people have this basic question in mind and jump onto the stock market or share market, whatever you say. Without knowing how to trade stocks or buy/sell shares online, they invest their money just by seeing an SMS from broker or some friend.
Most of us are busy working and we don't even remember what was our last month Salary, shift allowance, what was the tax that was deducted? If you could spend your next 5 mins reading the below post, am sure you can learn how to Invest wisely.<br />
<div class="separator" style="clear: both; text-align: center;"><img alt="How to Invest Money in Stock Market" border="0" data-original-height="297" data-original-width="400" loading="lazy" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj12V7oGaFg0Rp0W8F0-gspIbBvGQdZAINshlDOQYwAsEjB31i8I_aRRP1BX4GJCcqJxddql83zc6OuWXpcGJHvTs53bHnMglD7UyWSx7zt4AnwArvWP804B31OnA2vs63znrhZQ-IV_bo/s16000/How-to-invest-money-in-share-market-for-beginners-online.webp" title="How to Invest Money in Stock Market" /></div>
<h2>Investing is a Plan, Not a Product</h2>
Let's say you plan to invest in real estate. When you finalize on one piece of property, you also finalize factors like
<div><ul style="text-align: left;">
<li>How much are you willing to pay?</li>
<li>Would you buy the property right now?</li>
<li>What is the exit strategy (holding long term or sell in 6 months?)</li>
<li>Does the investment fit in with your overall plan/goal?</li>
</ul></div>
Got it now? You plan the Investment.
<br /><br />
It took me a while to get this, but it is really empowering to understand this principle. It is wise to divide investing in 3 plans.
<div><ul style="text-align: left;">
<li>Plan to be <b>Secure</b></li>
<li>Plan to be <b>Comfortable</b></li>
<li>Plan to be <b>Rich</b></li></ul>
</div>
Let's take each of these in detail.<br /><br />
<h3>Plan to be Secure</h3>
Buy a big term insurance policy and don't look at market linked insurance plans (ULIPs). Set aside some money and trust that your financial planner will do a good job with it. Also, set aside some money (3 month's salary) as an emergency fund. Once you set this up, this should be an automatic plan that doesn't require your time or effort.
<br /><br />
<b>Everyone should have a plan to be secure.</b>
<br /><br />
Now, before going to the second or third plans, ask yourself this question.
<br /><br />
Do I want to be comfortable or do I want to be rich??
<br /><br />
This is a very important question as it will probably determine what you do while following your plan. It's similar to setting up your goal before buying a gym membership. You may choose to have a light jog on the treadmill, or work out heavily with weights. You choose what you do.<br/><br/>
<b><u>Also Read</u></b>: <a href="https://www.someshr.com/2022/12/10-Methods-for-Successful-Stock-Market-Investment.html" target="_blank"><b>10 Ways to become Successful in Stock Market Investment</b></a><br /><br />
Now read on, I hope after reading you will make a more informed decision about which plan is right for you.
<br /><br />
<h3>Plan to be Comfortable</h3>
The plan to be comfortable should be pretty straightforward for everyone. If you are a salaried personnel, then you save a portion of your income. You use 80c to minimize your taxes, invest in diversified mutual funds, SIPs, or recently infrastructure bonds, or specific stocks if you have a good education.
<br /><br />
You also have a financial planner who can give you advice for specific funds, or who can tell you to rupee cost average your investment. You also make some money of "hot tips".
<br /><br />
If you follow this plan, you should live and retire comfortably.
There is nothing bad/wrong about choosing this plan, just as there is nothing wrong with going to the gym for a mild jog. It's an individual choice.
<br /><br />
Most individuals would find themselves in the comfortable zone. I encourage all of those people to read further as well.
<br /><br />
<h3>Plan to be Rich</h3>
Extracted from a book:
<br /><br />
Q: "What's your advice for the average investor??"<br />
A: "Don't be average"
<br /><br />
Why? Because the average investor is a slave to the market.
Average investors make money when the market goes up and lose it when the market goes down.
Average stock traders don't make money. (They don't lose, but don't make it either)
When the market crashes, the average investor loses the maximum.
<br /><br />
So let me tell you a secret about investing.
<br /><br />
<b>Successful investing is not about the investment, it's about the investor.</b>
<br /><br />
This is perhaps the least understood concept of investing. This is the reason why people ask questions like "<b>Where should I invest my money?</b>" and the most accurate answer to the question is the question
<br /><br />
"I don't know, are you a good investor?"
<br /><br />
Let me give you an example.
<br /><br />
What happened during 2008-2010 in stocks worldwide? Everyone knows they crashed right? Everyone who was invested in stocks lost money right??
<br /><br />
WRONG!
<br /><br />
John Paulson, a hedge fund manager, made more than 15 Billion $ for his company in 2007. (That's a billion with a B). That money is almost equal to 80,000 crores.
<br /><br />
Hedge-Fund Manager John Paulson's Greatest Trade Ever
<br /><br />
Many claim that he made around 4-5 Billion Dollars of personal money during (2007-2010). That's more than 20,000 crore rupees.
<br /><br />
While this was claimed the greatest trade ever, the point I am making is that it is entirely possible to make money when the market is going up and down.
<br /><br />
<b><u>Also Read</u></b>: <a href="https://www.someshr.com/2022/10/6-Financial-Habits-of-Rich-People.html" target="_blank"><b>6 Financial Habits of Rich People</b></a><br/><br/>
So what are the differences between average and rich (above average) investors?
Simply stating, successful investors have 3 E's that average investors don't have.<br />
<ul style="text-align: left;"><li>Education</li>
<li>Experience</li>
<li>Excessive Cash</li></ul>
<h3>Education</h3>
A successful education starts with a good mindset. A successful investor has much more education than the average investor.
A successful investor is committed to getting better and better with their education.
<br /><br />
How do you define commitment?
<br /><br />
Do you know that friend of yours who plays the guitar? Do you know how do they play the guitar so well?
<br /><br />
The reason is their commitment to playing.
<br /><br />
So how is the mindset of a successful investor different from an average investor? Let me draw a diagram to better explain.
<br /><br />
In the world of business, there are 4 kinds of people:<br />
<ul style="text-align: left;"><li>Employees</li>
<li>Self Employed</li>
<li>Business Owners</li>
<li>Investors</li></ul>
Average Investors - They work for Money.
Rich Investors - Money works for them.
<br /><br />
Does that make a lot of difference, you may ask?
The answer is yes.
<br /><br />
Let me put forward a few myth busters to put it in perspective.
<br /><br />
(Avg Investor): My house is my biggest investment.<br />
(Rich Investor): A house is a liability
<br /><br />
(Avg Investor): Diversification reduces risk<br />
(Rich Investor): Diversification is de-worsify-cation (Warren Buffett quotes)
<br /><br />
(Avg Investor): Stock market is risky<br />
(Rich Investor): Risk comes from not knowing what you are doing
<br /><br />
(Avg Investor): Avoid risk<br />
(Rich Investor): Take more control and manage risk
<br /><br />
(Avg Investor): Mutual funds are good investments<br />
(Rich Investor): Mutual funds are good investments when you sell them (That is why big companies sell mutual funds)
<br /><br /><blockquote>
If you think mutual funds are not risky, try going to a bank and ask for a loan to buy mutual funds, you'll be laughed out.
</blockquote><br />
(Avg Investor): Real estate never comes down (extremely popular in India)<br />
(Rich Investor): All markets go up and down
<br /><br />
(Avg Investor): Saving money is good<br />
(Rich Investor): Saving money pays maximum ~8% before tax, inflation is ~10%, so saving money is a guaranteed loss. (Inflation India 2012)
<br /><br />
I could go on, but hopefully you get the point.
<br /><br />
I am not saying what the average investor is saying above is bad advice, but it is <b>average</b> advice. As I mentioned, average investors make money when the market goes up and lose it when the market goes down. And if you have been reading till here, then you might be interested in making money whether the market goes up, down or sideways.
<br /><br />
Also, if you find yourself arguing against the Rich Investor statements, that means you too are thinking from a average investor perspective.
<br /><br />
So, how do I educate myself for being a rich investor?
<br />
<ul style="text-align: left;"><li>Books</li>
<li>Tapes</li>
<li>Workshops</li>
<li>Mentors</li></ul>
Remember, successful people have coaches, amateurs don't. Sachin Tendulkar may be the best batsman in the world, but he still has a coach.
<br /><br />
In case you are wondering, then investing is a subject that you may never be perfect in. Just like there is no perfect batsmen in cricket (everybody gets out), there is no perfect investor. But the more education you have, the better your chances are.
<br /><br />
<h3>Experience</h3>
How do you get experience? By applying what you learn. Start small as mistakes will happen. If you stay on track it will become easier and easier. It might feel like trying to eat with your opposite hand. In the beginning, you will spill your food, you will be frustrated and probably won't be satisfied, but in time you will learn it eventually.
<br /><br />
<h3>Excessive Cash</h3>
This is the tricky part, but if you have educated yourself well, and have gained good experience, then excessive cash (or some cash) should already be rolling.
<br /><br />
A note on the ultra rich
The rich investors invest in assets (stocks, bonds), but what do the ultra rich invest in?
<br /><br />
The ultra rich don't buy assets, they create assets.
This is the secret how the richest people in the world created their wealth. They created an asset which millions and millions of people want to buy. Bill Gates created Microsoft, Larry Ellison created Oracle, Warren Buffet created Berkshire Hathaway.
<br /><br />
<h3>Knowledge Begins with Words</h3>
What does that mean? Let's take an example.
Many times when you travel, you meet people or are around strangers and you hear them talk. Most of the time you can guess their professions. Have you wondered how?
<br /><br />
It's by the words they choose and say.
<br />
<ul style="text-align: left;"><li>I evaluated the students and the grades are good.(Teacher)</li>
<li>My boss is not a good person.(employee)</li>
<li>I shorted that stock as the P/E ratio was high.(stock market trader)</li>
<li>That patient had to be given a muscle relaxant.(Doctor or medical professional)</li></ul>
So the lesson here is that if you want to excel in any field, you must learn (hopefully master) their words.
<br /><br />
So tell me if you understand any of these words.
<br />
<ul style="text-align: left;">
<li>P/E ratio</li>
<li>Volatility</li>
<li>Bull Market</li>
<li>Bear Market</li>
<li>CAGR</li>
<li>Y-o-Y growth</li></ul>
If not, then this is your first step, to learn and understand these words.
<br /><br />
How?
<br /><br />
You can follow this blog. Moreover, Read your business newspaper. Listen to the market news. Use Google.
<br /><br />
<b><u>Also Read</u></b>: <a href="https://www.someshr.com/2022/10/PE-Multiple-Two-Common-Misconceptions.html" target="_blank"><b>P/E Multiple and Two Common Misconceptions</b></a><br/><br/>
Psssttt!! Let me tell you a secret. Most of these complex sounding words are actually simple concepts.
<br /><br />
Really???
<br /><br />
So why do all these finance companies and news channels use these fancy titles and words?
<br /><br />
Cause they want to sound smart, and want to sell you stuff.
<br /><br />
Do you know that most mutual funds don't outperform the market over the long term. (What that means that 6 year old niece can invest in the market and perform better that most mutual funds)
<br /><br />
Do you know that mutual funds are one of the riskiest investments you can make. (You put up all the money, take all the risk and don't get 100% of returns)
<br /><br />
Diversifying mutual funds is like taking multiple brands of multi vitamins. (No good end result)
<br /><br />
So when you start learning words, you'll understand the bullshit most TV channels and financial advisers preach as "investment advice" is really sugar coated salesmanship.
<br /><br />
So when the next time you read an investment advice column and say, "That's nonsense", Congratulations, you are making progress.
<br /><br />
Don't get me wrong, mutual funds aren't bad. They are average investments for average investors. And as we know, average investors make money when the market goes up and lose money when the market goes down.
<br /><br />
But if you are reading this, that means you don't want to be average.
<br /><br />
So I encourage you to take the next step in your education and start learning words. I'll try to help as much as I can.
<br /><br />
Have Happy Investing!Somesh Renganathanhttp://www.blogger.com/profile/02237444388087338120noreply@blogger.comChennai, Tamil Nadu, India13.0826802 80.2707184-15.227553636178845 45.114468400000007 41.392914036178844 115.4269684tag:blogger.com,1999:blog-8695768261684177122.post-85968775731797396702022-12-23T17:59:00.002+05:302022-12-23T18:00:23.224+05:309 Mistakes You Make With Your Credit CardA credit card is a consumer boon. It offers various benefits. A credit card can be referred to as the best alternative to cash. Most of the time, when you buy goods through credit cards, you get a discount on the price and a certain percentage of the amount as a cashback. The advantage lies in how one uses it.
<br /><br />
Many of the issues arise due to the use of the credit card without proper understanding. If we know what are the common mistakes that many people make while using a credit card, we may not make those mistakes. So, let's look at those mistakes.
<br /><br />
<div class="separator" style="clear: both; text-align: center;"><img loading="lazy" alt="Credit Card Mistakes" border="0" data-original-height="696" data-original-width="1277" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj5yssbmNXNr86fsx3Ez4XjVbPm-57H8zhkFRTk40sFIPkLJtcSKP96c75slglIFuMu38XtZH5eh6wME8_yD-D1ybHap0_qbP-5DvMimhSBVDm-PMOLVPDy22fCuquDZWtb2-FBjO9M1nSW07iiti3G56G-OMRdvfTOz1K2-Uxk00Pa26zO947YxmPOxg/s16000/9-Mistakes-you-make-with-your-Credit-Card.webp" title="Credit Card Mistakes" /></div>
<h2>Not Paying Attention to Indirect Charges</h2>
All credit card companies are fascinated by a variety of attractive features such as zero charges, offers, reward points, etc. It is necessary to analyse and ascertain whether there is actually no charge on credit cards.
<br /><br />
Most credit cards have no annual fee for the first year only. You will have to pay an annual fee when renewed in the following years.
<br /><br />
You may have seen an attractive announcement that this credit card can also be used in petrol bunks. But, it is important to note that there is a 2.5% fee for this. When car owners put in 1000 to 1500 litres of petrol per year at a rate of around 3-5 litres per day, this charge will be the biggest amount. Assuming Rs.100 per litre, using your credit card for 5 litres will attract Rs.12.5 as charges. That means, you would spend anywhere between Rs.2500 to Rs.3750 per year as fee for using your credit card.
<br /><br /><b><u>Also See</u>: <a href="https://www.someshr.com/2022/10/6-Financial-Habits-of-Rich-People.html" target="_blank">6 Unique Financial Habits of Rich People</a></b><br /><br />
There are different types of charges in the credit card. It is advisable to know and act on various charges such as annual renewal fee, late fee, processing fee for loan installment, withdrawal fee at ATM, etc.
<br /><br />
<h2>Not Taking Proper Care of Interest Rates</h2>
All credit card companies make money through the goods they buy on credit. This means that most people who buy goods through credit cards do not pay for the bill on time. Thus, they are paying high interest rates. Many credit card holders buy it because they get an interest-free loan for about 45 days. Those who are unaware of the fact that they have to pay around 35% - 45% interest per annum when they pay beyond that interest-free period.
<br /><br />
For example, a person who bought the item through a credit card forgot to pay for a month. He received information that the late fee and interest was 3%. He thought the interest was 3% per annum. But, it is the monthly interest. That is, it is 36% of the annual interest account. From this you must have understood that it is better to pay off the credit card dues in lump sum.
<br /><br />
<h2>Paying Only The Minimum Due</h2>
Some people always think they are acting smartly and are paying only the minimum amount as there is no late fee. But they are unaware that around 35% interest is being paid annually on the remaining amount, excluding the minimum amount. If you continue to pay only the minimum amount, you will continue to pay high interest rates. There are still others who mistakenly think that if they pay the credit card amount monthly, the credit score will go up. If you do this, the credit score will come down.
<br /><br />
<h2>Withrdraw Money at ATM through Credit Card</h2>
When you withdraw money from an ATM through a credit card, you will have to pay a transaction charge of around Rs 500. There will be a fee of about 2% for the amount taken. Also, if you withdraw money through ATMs, there is no interest-free grace period. From the first day of withdrawal, you will have to pay an interest rate of almost 35% per annum.
<br /><br />
<h2>Not Paying Attention to Credit Card Security</h2>
Credit card number, CVV (Card Verification Value) number and PIN are recorded in their mobile phones and e-mails. This is one of the biggest mistakes credit card holders make. Missing a cell phone and a credit card at the same time is a risk.
<br /><br />
Do not give credit card details to friends, relatives, family members, credit card employees. If you use the credit card, sign on the back of the credit card. If the unsigned card is lost, there is a possibility of serious trouble. If the shopkeeper suspects that he is misusing the credit card, he is likely to make sure that the credit card holder signs something.
<br /><br />
Also, details of expenses incurred through credit cards should be made available to the mobile phone instantly through SMS and mail. It would be a good idea to pay for this facility even if it is charged a little bit. The reason is that if a person's credit card is lost and misused, it can be quickly prevented from being used. It is not wise to lose a large amount for a small fee.
<br /><br />
<h2>Not Fixing the Credit Card Limit</h2>
Once you have received the credit card, set the credit limit to buy goods using it to very low or zero. Make it a habit to increase its range only on/off when you are going to shop with that card. In doing so, even if the credit card fails, there is no possibility of loss or heavy loss.
<br /><br />
<h2>Spending Beyond the Credit Limit</h2>
It is advisable to spend within the credit level (credit limit) assigned to the credit card. There is a possibility of higher interest being levied on spending beyond that limit.
<br /><br />
Also, it is advisable to spend less within the credit limit. It is advisable to use up to about 30% of the credit limit. For example, if the credit card limit is Rs 1,00,000 lakh, it is advisable to keep his/her monthly credit card expenses below Rs 30,000. There will be a risk that our credit score will fall due to activities such as spending beyond the credit card limit and over-using. A bad credit score means you have to pay a higher interest on the loan you are going to buy in the future; Moreover, the loan is not easily available.
<br /><br /><b><u>Also See</u>: <a href="https://www.someshr.com/2022/10/Things-to-Lookout-While-Choosing-Financial-Advisor.html" target="_blank">Things to lookout while Choosing a Financial Advisor</a></b><br /><br />
<h2>Not Paying Attention to the Billing Statement</h2>
Once the credit card billing statement arrives, check if you have incurred all the expenses mentioned in it. Also, consider whether the amount spent is correctly mentioned in the bill.
<br /><br />
Sometimes there is a possibility that the cost of things you haven't purchased will be wrongly added to the bill. The amount is also likely to be overstated. Also, there is a possibility of overcharging. It is the consumer who has to be vigilant in these matters.
<br /><br />
<h2>Failure to Pay Credit Card Monthly Due Amount</h2>
Some of those who use a credit card feel that it's not a big deal to miss a couple of times to make timely payments. But, in fact, with this act of ours, it is possible that we may end up in a big debt problem. The reason is that if you fail to pay, interest and late fee will be levied on the unpaid amount. The interest on credit card loan is 3% - 3.5% per month i.e., 36% to 42% per annum. Moreover, since this interest rate is levied on the basis of the daily outstanding amount, the interest will keep increasing day by day. When interest is charged on interest, it can turn into a huge loan. Therefore, it is advisable to pay the credit card amount as much as possible in lump sum at any cost.
<br /><br />
Hope you got to know the frequent Credit Card mistakes made by everyone and you are away from making these mistakes.Somesh Renganathanhttp://www.blogger.com/profile/02237444388087338120noreply@blogger.comChennai, Tamil Nadu, India13.0826802 80.2707184-15.227553636178845 45.114468400000007 41.392914036178844 115.4269684tag:blogger.com,1999:blog-8695768261684177122.post-47399904249982866492022-12-18T19:07:00.005+05:302022-12-28T09:48:45.871+05:3010 Ways To Become Successful In Stock Market InvestmentSuccessful and renowned stock market investors such as Benjamin Graham and Warren Buffett have made a profit by adopting certain investment strategies. In this blog post we are going to look at 10 ways for such a successful stock investment. Following these approaches will make you a successful equity investor and will eventually make you rich.
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<div class="separator" style="clear: both; text-align: center;"><img alt="10 Ways to become Successful in Stock Market Investment" border="0" data-original-height="1966" data-original-width="3100" loading="lazy" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEguwpMJaCYLw6IguQsrYPW6FmmAeYB17mQHWOtEVE8vlGNTkliC5pJCODUlMGJAA0ZTi7PaCSeWDmx4wiGOVJq0zYoiLiR3F6tJv1Dm2MDrciyaBuYAo4ATXQCWT2jvDeTz7rYZEjCvkgnlpvQE3BMYFRUDZ8xSiFslN6gsUjjBDjVe9rs4DUmc5ZqQmw/s1600/10-Ways-to-become-Successful-in-Stock-Market-Investment.webp" title="10 Ways to become Successful in Stock Market Investment" /></div>
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<h2>Decide on an Investment Strategy and stick to it</h2>
Let's say an investor plans to invest in equity-oriented mutual fund schemes through a balanced investment plan (SIP) system. He should not change his investment strategy under any circumstances when the stock market continues to fall. That is, SIP investment should not be stopped. The market crash is the right time to continue investing in SIP as more units will be available. Moreover, on average, more units are likely to be available in the long run.
<br /><br />
Another investor has decided to invest in 50:50 debt market-oriented schemes and stock market-oriented schemes. At this stage he sees the rise in the stock market and changes this rate. He changes it to 30:70.
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This means he has now invested 30 per cent of the amount in debt funds and 70 per cent in equities. As a result, his risk has increased tremendously and his chances of loss have also increased.
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In fact, in order to bring the portfolio back to a predetermined asset allocation ratio when the stock market rises and gives good returns, one needs to reduce stock market investment. That is, you have to sell a little of the shares that are on profit and invest in debt market-oriented schemes.
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Don't change your investment strategies intermittently. Once you have decided on the best investment strategy for yourself with foresight, you need to continue to travel through it.
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After deciding the investment strategy, do not make a difference in the investment decision every time you invest. Doing so would result in losses instead of profits.
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<b><u>Also See</u></b>: <a href="https://www.someshr.com/2022/12/Which-SIP-Frequency-Is-Best-Daily-Weekly-Monthly-SIP.html" target="_blank">Which SIP Frequency is Best? Daily/Weekly/Monthly SIP?</a><br /><br />
<h2>Explore and Invest On Your Own</h2>
It is not advisable to take a decision on investing in stocks, mutual funds just by listening to the advice of your neighbour, friend, relative or the media or your stock broker. Also, buying shares on the basis of tips is equivalent to gambling.
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When investing your hard-earned money, be a fully informed investor. Also, you need to make sure that this investment will help you achieve your financial goal. The right investment decision can be made through research from various sources.
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<h2>Don't be afraid of short-term fluctuations</h2>
If you want to be a successful investor, you need to understand that it is futile to worry about the temporary loss caused by the short-term volatility of the stock market.
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Investing in good corporate stocks and equity funds ensures the quality of your investment mix and an increase in capital value in the long run.
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<h2>Avoid Investing in Penny Stocks</h2>
There is a common misconception among small investors that it is better to invest in penny stocks, which are cheaper than investing in high-value stocks. That is, they think they will get a higher number of shares because of the low price. They think that even if the price goes up a little, they will get more profit.
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There is a greater possibility of a fall in the price of penny stocks rather than going up. The reason is that companies like these are basically very bad companies. It is necessary to look at the background of the company before looking at the share price.
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<b><u>Also Read</u></b>: <a href="https://www.someshr.com/2022/12/How-to-Invest-Money-in-Stock-Market.html" target="_blank"><b>How to Invest Money in Stock Market</b></a><br /><br />
<h2>Exit Stocks that are at a Loss</h2>
Investors generally get out of profitable stocks easily. But they will not come out of the stocks that are in losses so easily. The price of the stock will rise again. They will be at a loss for a long time on the basis of the expectation of profit. It is very wrong to do so.
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Selling shares of companies that don't perform well quickly and exiting and investing in other well-performing company stocks can help you to make a profit.
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<h2>Think before starting an Investment</h2>
Even a good company stock purchased at the wrong price can be a bad investment option. It will take a long time for the stock to come to profit. Don't always invest the entire amount of money at the same time to avoid such mistakes.
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To avoid this mistake, invest in company stocks and stock market related schemes through SIP mode. In case there is a lump sum of money, you can invest it in liquid fund and transfer the investment from it to equity fund in certain months through systematic transfer plan (STP). Also, adopt strategies such as asset allocation, which is divided and invested.
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<h2>Keep in mind the future development</h2>
It is advisable to consider investing in stocks of good companies. However, it would be a mistake to be without warning that small startups may face failure.
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Shares of companies with good business strategies and growth plans are likely to give good returns in the long run. Therefore, before investing in a stock, it is necessary to consider not only its current state but also its future growth.
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<h2>Consider Income Tax Implications as well</h2>
Income from equity shares and equity funds linked to the stock market will have to pay higher taxes in the short term.
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This means that if these investments are sold within a year, you will have to pay 15 per cent income tax on profits. If you sell for more than a year and make a profit, there will be no tax of up to Rs 1 lakh in the financial year. You just have to pay 10% tax on the profits above that.
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<h2>Continue to follow the rule</h2>
As far as equity-oriented investments are concerned, always make a rule and act accordingly only.
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For example, if you have a return of more than 15 per cent on these investments and are planning to exit, then continue to act accordingly. Or if you are a very long-term investor and buy a stock like Warren Buffett and you will continue it for a long time, then act accordingly. Don't mix the two.
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<b><u>Also See</u></b>: <a href="https://www.someshr.com/2022/12/When-to-Redeem-or-Exit-Mutual-Funds.html" target="_blank">What is the Right Time to Exit/Redeem Your Mutual Funds</a><br /><br />
<h2>Always Invest in the Long Term</h2>
When it comes to stock market oriented investments, you should always invest in the long run. You should invest in corporate stocks and equity funds only if you need money for more than five years. If one really wants to become rich, it is necessary for him to be a long-term investor.Somesh Renganathanhttp://www.blogger.com/profile/02237444388087338120noreply@blogger.comChennai, Tamil Nadu, India13.0826802 80.2707184-15.227553636178845 45.114468400000007 41.392914036178844 115.4269684tag:blogger.com,1999:blog-8695768261684177122.post-33265629577902606442022-12-17T16:41:00.005+05:302022-12-28T09:47:46.270+05:30When to Redeem or Exit Your Mutual Funds?Stock Markets are always fluctuating, and Investors are always interested in buying low and selling high. This applies to Mutual Funds as well. Buying Mutual Funds when the Stock Markets are low (averaging units and lowering NAV) and selling when the Stock Markets are high. But when should you actually sell your Mutual Funds? Let's see at what times you need to exit your Mutual Funds in this blog post.<br /><br />It is essential for an investor to have long term investment plans. Only then, one can earn more income beyond the rate of inflation and pay less income tax during mutual fund redemption.<br /><br /><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgr_J35gKQds_glUVGSm9e2qtv5LMfxB_beqVnRQWLb3XNes8sGtp4kr_-4QP2BGzk3vV7x5ivfuWmmG7sOdJHc0TOjbHVj2jq3-ChYRrp6EdJd3zIA3-PzuIDoTRdK1FW_wHAKCyy-SpVh88IxUuaZ9eGqEuCL3-rYKB2UXelAzl1UPe7-ODofSR4KoQ/s1920/When-to-Redeem-or-Exit-Your-Mutual-Funds.webp" style="margin-left: 1em; margin-right: 1em;"><img alt="When to Redeem or Exit Your Mutual Funds" border="0" data-original-height="1280" data-original-width="1920" loading="lazy" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgr_J35gKQds_glUVGSm9e2qtv5LMfxB_beqVnRQWLb3XNes8sGtp4kr_-4QP2BGzk3vV7x5ivfuWmmG7sOdJHc0TOjbHVj2jq3-ChYRrp6EdJd3zIA3-PzuIDoTRdK1FW_wHAKCyy-SpVh88IxUuaZ9eGqEuCL3-rYKB2UXelAzl1UPe7-ODofSR4KoQ/s16000/When-to-Redeem-or-Exit-Your-Mutual-Funds.webp" title="When to Redeem or Exit Your Mutual Funds" /></a></div><br />At the same time, it is necessary for you to constantly check whether the mutual funds invested in are helping you, the investor achieve his financial objectives and goals. There are five important signs which you should be aware of during which you can decide to sell your Mutual Funds.<div><br /><h3 style="text-align: left;">Lower Returns on your Mutual Funds</h3>Investors should invest in risky asset classes like equity for long term. Investments should wait for atleast 5 years to give good returns.<br /><br />However, if an equity fund has performed poorly for more than two consecutive years, you should plan to exit the fund. It is better to take this decision in one year in case of debt fund and in 18 months in case of hybrid fund.<br /><br />The returns of the fund invested in different time periods like 1 year, 2 years, 3 years and 5 years should be compared with the returns given by the benchmark index of the respective fund. If the fund that one has invested in throughout the entire tenure is giving low and poor returns then it is better to sell the units of that fund and exit. Investing that money in a consistently performing fund would be profitable.</div>
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<b><u>Also Read</u></b>: <a href="https://www.someshr.com/2022/12/How-to-Invest-Money-in-Stock-Market.html" target="_blank"><b>How to Invest Money in Stock Market</b></a><br />
<div><br /><h3 style="text-align: left;">Changes in Objectives of the Mutual Fund</h3>The investment objective of the invested mutual fund is changed and the money collected by the fund is invested in company shares belonging to different risky sectors, and it sometimes happens to invest in company shares with different market capitalization. Then the change may not suit the investment objective of the investor. For example, an ESG fund invests in coal manufacturing industry.<br /><br />Acquisition of mutual fund company by another company, change of ownership of mutual fund company, merger with other scheme changes the risk level of mutual fund portfolio. If these changes do not meet his needs as an investor, it is better to exit the fund. This is the reason why many investors who invested in UTI Master Growth Fund sold their units when the fund became a UTI Top 100 fund.</div><div><br /><h3 style="text-align: left;">Change in Nature of the Mutual Fund</h3>If a particular fund has an investment objective of investing in all equity market capitalized companies, it should invest in largecap stocks, midcap stocks and smallcap stocks. But in recent times it has been heavily invested in midcap stocks, so its risk has increased a lot. This shift may not be suitable for the risk averse investor. So, it is better for him to exit that fund. <div><br /></div><div>Therefore, as an investor, after investing in a mutual fund scheme it is necessary to carefully consider the investment mix of funds. And when a fund changes its category, you need to keep monitoring to avoid risking your investment and incurring huge losses.</div><div><br /><h3 style="text-align: left;">Huge Increase in Value of Investment</h3>The value of investment can increase rapidly and reach the target valuation early. If it increases, don't be greedy and wait for more profit. If you wait like that, you may lose even the gains you have made now. So, it is wise to book profit in case of higher than expected profit. It is better to take at least the profit from the equity fund and shift it to a less risky debt fund, target maturity fund etc.<br /><br />You had planned to add Rs.20 lakhs for your daughter/son's higher education in eight years. Your investments at the end of six years will be Rs. 20 lakhs has increased. It is better to immediately transfer this money to safer and less risky investments. If you leave investments in the same fund, its value may decline due to subsequent stock market declines. Hence, once the mutual fund investment reaches the target value, one can protect the higher investment value by moving away from the current risky schemes and moving to safer investments.</div><div><br /><h3 style="text-align: left;">Realignment of Investments based on Asset Allocation</h3>Sometimes your investments have increased in value. Then, the debt fund can maintain asset allocation in the investment mix by shifting investments to hybrid funds. Also, the risk can be reduced while protecting the profit.<br /><br />While the return on equity investments is very high, you should realize that your investment percentage is higher in the risky equity market. This can of course be fixed with a restoration. That is, asset allocation can be maintained properly by selling a portion of overvalued equity investments and investing in undervalued debt market oriented schemes. Doing so will reduce the risk of the investment mix.</div><div><br /></div><div>I believe this blog post gave you an idea of when to exit your Mutual Fund Investments when you are unable to take a decision on it.</div></div>Somesh Renganathanhttp://www.blogger.com/profile/02237444388087338120noreply@blogger.comChennai, Tamil Nadu, India13.0826802 80.2707184-15.227553636178845 45.114468400000007 41.392914036178844 115.4269684tag:blogger.com,1999:blog-8695768261684177122.post-67291067270712397742022-12-17T09:13:00.001+05:302022-12-17T09:16:44.422+05:30P/E Multiple and the Two Common Misconceptions The price-to-earnings ratio is the ratio for valuing a company that measures its current share price relative to its earnings per share (EPS). The price-to-earnings ratio is also sometimes known as the price multiple or the earnings multiple. This is the definition of PE Ratio as per Investopedia.<div><br /></div><div>There are two misconceptions regarding PE multiple among the investors which makes them to choose wrong stocks. This blog post discusses about those two common misconceptions. Let's get into the topic.</div><div><br /></div><h3 style="text-align: left;">PE Multiple Misconception 1</h3><div></div><blockquote><div>Comparing the Price/Earnings Ratio is the same thing as comparing the Profit Growth Rate.</div><div></div></blockquote><div><div>Let us take the shares of two companies 'A' and 'B' as an example. Suppose company 'A' stock trades at P/E of 15x and company 'B' stock trades at 50x.</div><div><br /></div><div>Let us also assume that the profits of these two companies are expected to increase by 10%.</div><div><br /></div><div>Given the above information, an investor would say that out of these two companies with similar profit growth, Company 'B' stock is trading at a higher P/E multiple and is not investment friendly, while Company 'A' stock which is trading at a lower P/E multiple is suitable for investment.</div><div><br /></div><div>If you ask if this is the right decision, my answer is that this is a false conclusion.</div><div><br /></div><div><div>This is because the P/E multiple does not take into account how efficiently the capital (invested money) is used in a company (capital efficiency).</div><div><br /></div><div>Intrinsic value of a company's stock is defined as the present value of the free cash flow that the company will receive (generate) in the future.</div><div><br /></div><div>This free cash flow is not based solely on how much growth the company is experiencing. It is formed based on how efficiently the company utilizes the capital that is tied up in it.</div><div><br /></div><div>In the above example, let us assume that company 'A' has a return on capital employed (RoCE) of 10 percent and company 'B' has a return on capital employed (RoCE) of 40 percent.</div><div><br /></div><div>In this case, the capital of company 'A' will be Rs.1,000 (Rs.100/10%) and the capital of company 'B' will be Rs.250 (Rs.100/40%). </div><div><br /></div><div>Company 'A' will have to reinvest Rs.80 (Rs.8/10%) for an 8% increase in earnings next year. This means that the company can achieve an income growth of 8% only if it reinvests 80 percent of the current year's profit (Rs.100 x 80% = Rs.80).</div><div><br /></div><div>Meanwhile, Company 'B' can achieve 8% growth by reinvesting just Rs.20 (Rs.8/40%). That is, by investing 20 percent of the current year's profit (Rs.100 x 20% = Rs.20), the company can achieve 8% income growth.</div><div><br /></div><div>That is, at 8% profit growth Company 'A' will generate a free cash flow of Rs.20. Meanwhile, at 8% profit growth Company 'B' will generate a cash flow of Rs.80. That is, company 'B' will generate four times more cash flow than company 'A'.</div><div><br /></div><div style="text-align: center;"><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj5gj43lAnt387eZTMNul2xWOOKmPiGkmn9g-r09tkzSz8LPxPnGFRC1jOawbefNav-e_netmarI2iTrJ6ZOU0-MfL7oDhnllgNRQUAm-E9V7cWXaRtjOrS5M1GK2kV1fRPPWbzSscQSAcRvFjHpL4KjQG2d9tNnhjzBmRb91DxUbgB9IXJT3qfKeYomA/s16000/Capital-Efficiency-is-the-number-one-reason-for-Investor-Profit.webp" style="margin-left: 1em; margin-right: 1em;"><img loading="lazy" alt="Capital Efficiency is the number one reason for Investor Profit" data-original-height="493" data-original-width="787" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj5gj43lAnt387eZTMNul2xWOOKmPiGkmn9g-r09tkzSz8LPxPnGFRC1jOawbefNav-e_netmarI2iTrJ6ZOU0-MfL7oDhnllgNRQUAm-E9V7cWXaRtjOrS5M1GK2kV1fRPPWbzSscQSAcRvFjHpL4KjQG2d9tNnhjzBmRb91DxUbgB9IXJT3qfKeYomA/s16000/Capital-Efficiency-is-the-number-one-reason-for-Investor-Profit.webp" title="Capital Efficiency is the number one reason for Investor Profit" /></a></div><br /></div><div><br /></div><div>Because of the difference in capital efficiency between the two companies, company 'B' consistently generates four times more cash flow every year than company 'A' at the same growth rate of 8%.</div><div><br /></div><div>All other things being equal between the two firms, since firm 'A' has four times the capacity to use capital (i.e., one-fourth the amount of capital itself to generate the same amount of cash flow) than firm 'B', firm 'B' Company's P/E multiple should be four times the P/E multiple of company 'A'.</div><div><br /></div><div>Why you ask? The denominator in the formula to calculate the P/E ratio of these two companies is the number of earnings per share.</div><div><br /></div><div>At the same time, company 'A' generates one fourth more cash flow than company 'B' for the same earnings. Therefore, the intrinsic value of company 'B' should be four times that of company 'A'.</div><div><br /></div><div>This is why if the P/E value of company 'A' is 15x, the P/E value of company 'B' should be 60x. That's why when company 'B' trades at 50x, we say that company 'B' is priced less than company 'A', which trades at 15 P/E.</div><div><br /></div><div style="text-align: center;"><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhfbrNeZA8NGIRiXZrP_FVUNso1eSmDQjk2xwO4VnXhfr7NDOfFK0-r0Q2-3OMf50r1eXNduyu9vATJIXXwYJ4tEzFyzVry-5fYFvViMeUmgmbnCwcW3bWsffOHcfhXBaoLoTsuFts9Y-jHLPd8BB5sX7Fbl-BIgNobYdWR4nYsxz0WuV11cSR_9SguUg/s781/More-Capital-Efficiency-of-a-company-translates-to-more-Growth-of-the-company-than-its-competitors.webp" style="margin-left: 1em; margin-right: 1em;"><img loading="lazy" alt="More Capital Efficiency of a company translates to more Growth of the company than its competitors" data-original-height="312" data-original-width="781" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhfbrNeZA8NGIRiXZrP_FVUNso1eSmDQjk2xwO4VnXhfr7NDOfFK0-r0Q2-3OMf50r1eXNduyu9vATJIXXwYJ4tEzFyzVry-5fYFvViMeUmgmbnCwcW3bWsffOHcfhXBaoLoTsuFts9Y-jHLPd8BB5sX7Fbl-BIgNobYdWR4nYsxz0WuV11cSR_9SguUg/s781/More-Capital-Efficiency-of-a-company-translates-to-more-Growth-of-the-company-than-its-competitors.webp" title="More Capital Efficiency of a company translates to more Growth of the company than its competitors" /></a></div><br /></div><div><br /></div><div>Let's change our example a bit. What will happen if company 'B' reinvests Rs 80 as much as company 'A' should?</div><div><br /></div><div>Company 'A' will experience four times higher growth rate. At the same time Company 'A' will not have the means to make the necessary investment to achieve the same level of growth.</div><div><br /></div><div>Borrowing and investing will be the way for company 'A' to make a profit. Hence, Company 'B' has a higher P/E multiple than Company 'A'.</div><div><br /></div><div>If company 'B' continues to invest more every year and generate more free cash flow (due to higher leverage) and reinvest it, there is a chance that its P/E multiple will exceed 4x that of 'A'.</div><div><br /></div><div>Because wouldn't the rapid cash flow growth that Company B is experiencing lead to even higher cash flow generation in the future?</div></div></div><div><br /></div><div><h3>PE Multiple Misconception 2</h3><div><blockquote>The P/E multiple will converge to the mean over time even as investment efficiency increases (mean reversion)</blockquote></div><div><br /></div><div><div>The ability to use investment is not only a matter of comparison between firms operating in an industry. One should also look at the measurement of how the same company is performing at different periods.</div><div><br /></div><div>That is, it is like making a measurement of how a company's capital management skills were five years ago and how they are now.</div><div><br /></div><div>A company must increase its ability to consistently use its capital through one or more of the following activities: high asset turnover (i.e., reducing investment required for expansion), reducing working capital requirements through the introduction of technology in the supply chain, and increasing bargaining power with customers and suppliers. Will try.</div><div><br /></div><div>Free cash flow will continue to increase as leverage continues to increase.</div><div><br /></div><div>Because of this, the company's historical P/E (Price to Earnings) and P/B (Price to Book Value) ratios and today's P/E and P/B ratios will be quite different.</div><div><br /></div><div>For an investor, a company's free cash flow should be analyzed and compared to what causes it to increase.</div><div><br /></div><div>What if the company used the above techniques to increase capital utilization (such as shortening the working capital cycle) and operate more smoothly over the next 20 years? Also, what if the firm also has the ability to set the price of its product?</div><div><br /></div><div>Profits will increase smoothly and free cash flow will also increase. Investors should invest in companies with such characteristics.</div><div><br /></div><div>It needs to look at cash flow, not growth in value of assets or growth in profits.</div><div><br /></div><div>If a company's free cash flow growth is higher than its earnings growth, comparing it on a P/E basis with another company that does not have such growth would be a false comparison.</div><div><br /></div><div>This is because the P/E multiple of such companies is very high as long as the free cash flow is higher than the earnings.</div></div></div>Somesh Renganathanhttp://www.blogger.com/profile/02237444388087338120noreply@blogger.comChennai, Tamil Nadu, India13.0826802 80.2707184-42.501686659709833 9.9582184000000069 68.66704705970983 150.58321840000002tag:blogger.com,1999:blog-8695768261684177122.post-61231232958634219072022-12-11T15:31:00.008+05:302022-12-11T15:34:26.145+05:30Which SIP Frequency Is Best? Monthly/Weekly/Daily SIP?<div>A lot of question that is asked when I meet mutual fund investors is which frequency of SIP is best for investment? There are many frequencies of SIP investments carried out by investors such as Daily SIP, Weekly SIP and Monthly SIP. But out of these, which is actually best? I carried out a data analysis to find it out. Let's see this in this blog post.</div><br />
<div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhDavM7td3VcWAJkwIyu4Le_qWdNp7ayEn79Z7JpkzqKQqPWTE2yx9KmzCg9Y6F-Ju_PzFj3SlPpVf9JbHHAVs4THEidFCqIGrribQIWdOhCdVNnAi8NljGA92jIIIlfihGJ87N6zjLFxJ67kC0AIHhrO00TaenIh701GyJwvKRv_TmFIbAZpulLMXI_g/s1000/Which-SIP-Frequency-is-Best-Weekly-Daily-Monthly-SIP.webp" style="margin-left: 1em; margin-right: 1em;"><img alt="Which SIP Frequency Is Better? Daily SIP or Weekly SIP or Monthly SIP?" border="0" data-original-height="667" data-original-width="1000" loading="lazy" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhDavM7td3VcWAJkwIyu4Le_qWdNp7ayEn79Z7JpkzqKQqPWTE2yx9KmzCg9Y6F-Ju_PzFj3SlPpVf9JbHHAVs4THEidFCqIGrribQIWdOhCdVNnAi8NljGA92jIIIlfihGJ87N6zjLFxJ67kC0AIHhrO00TaenIh701GyJwvKRv_TmFIbAZpulLMXI_g/s16000/Which-SIP-Frequency-is-Best-Weekly-Daily-Monthly-SIP.webp" title="Which SIP Frequency Is Better? Daily SIP or Weekly SIP or Monthly SIP?" /></a></div>
<br />The main feature of SIP is that it helps to average out the cost of investment while consistently investing over a period of time in various fluctuating market environments.<br />
<br />In that way, if consistent investing is followed frequently and the chance of taking advantage of the majority of the market's ups and downs is greater than investing once a month, would a weekly SIP or a daily SIP be better than a monthly SIP? If the SIP investment amount is high, it is natural that we want to maximize the return on averaging.<br />
<br />Let us analyze the returns given by some of the mutual funds in SIP investments over various periods.<br />
<br /><h3 style="text-align: left;">How To Compare SIP Returns?</h3>
We have taken various market cycles and different SIP tenures over the last 15 years to compare monthly SIP, weekly SIP or daily SIP.<br />
<ul style="text-align: left;">
<li>3 Five-year period: January 2005 to December 2009, January 2010 to December 2014, January 2015 to December 2019.</li>
<li>10-year period: January 2005 to December 2014, January 2010 to December 2019</li>
<li>15-year period: January 2005 to December 2019</li>
</ul>Based on daily, weekly and monthly SIPs (instead of comparing fund-wise returns) We have compared the returns of two leading equity indices of the market, Nifty 100 and Nifty 500. This comparison can be seen in the below tables.</div>
<div><br />
<div itemscope="" itemtype="https://schema.org/Table">
<h4 itemprop="about">Nifty 100 Daily, Weekly, Monthly SIP Returns</h4>
<table class="GeneratedTable">
<thead>
<tr>
<th><center>Nifty 100</center></th>
<th><center>Daily SIP</center></th>
<th><center>Weekly SIP</center></th>
<th><center>Monthly SIP</center></th>
</tr>
</thead>
<tbody>
<tr>
<td><center>2005-2009</center></td>
<td><center>17.76%</center></td>
<td><center>17.88%</center></td>
<td><center>17.76%</center></td>
</tr>
<tr>
<td><center>2010-2014</center></td>
<td><center>15.32%</center></td>
<td><center>15.33%</center></td>
<td><center>15.17%</center></td>
</tr>
<tr>
<td><center>2015-2019</center></td>
<td><center>9.81%</center></td>
<td><center>9.81%</center></td>
<td><center>9.58%</center></td>
</tr>
<tr>
<td><center>2005-2014</center></td>
<td><center>13.23%</center></td>
<td><center>13.25%</center></td>
<td><center>13.21%</center></td>
</tr>
<tr>
<td><center>2010-2019</center></td>
<td><center>10.5%</center></td>
<td><center>10.5%</center></td>
<td><center>10.43%</center></td>
</tr>
<tr>
<td><center>2005-2019</center></td>
<td><center>10.82%</center></td>
<td><center>10.83%</center></td>
<td><center>10.81%</center></td>
</tr>
</tbody>
</table><br /></div>
<div itemscope="" itemtype="https://schema.org/Table">
<h4 itemprop="about">Nifty 500 Daily, Weekly, Monthly SIP Returns</h4>
<table class="GeneratedTable">
<thead>
<tr>
<th><center>Nifty 500</center></th>
<th><center>Daily SIP</center></th>
<th><center>Weekly SIP</center></th>
<th><center>Monthly SIP</center></th>
</tr>
</thead>
<tbody>
<tr>
<td><center>2005-2009</center></td>
<td><center>17.18%</center></td>
<td><center>17.31%</center></td>
<td><center>17.2%</center></td>
</tr>
<tr>
<td><center>2010-2014</center></td>
<td><center>15.61%</center></td>
<td><center>15.62%</center></td>
<td><center>15.44%</center></td>
</tr>
<tr>
<td><center>2015-2019</center></td>
<td><center>8.59%</center></td>
<td><center>8.59%</center></td>
<td><center>8.37%</center></td>
</tr>
<tr>
<td><center>2005-2014</center></td>
<td><center>12.7%</center></td>
<td><center>12.73%</center></td>
<td><center>12.7%</center></td>
</tr>
<tr>
<td><center>2010-2019</center></td>
<td><center>10.2%</center></td>
<td><center>10.19%</center></td>
<td><center>10.12%</center></td>
</tr>
<tr>
<td><center>2005-2019</center></td>
<td><center>10.34%</center></td>
<td><center>10.35%</center></td>
<td><center>10.33%</center></td>
</tr>
</tbody>
</table></div>
<br />After this study, what we can conclude is that there is no way to say that investing at a certain frequency will result in higher returns. Although the stock market is full of fluctuations, they do not undergo large fluctuations in daily trading. It also gives more possibilities to average the investment cost.</div><br /><div>On the one hand, the benefit of a drop in day trading can be offset by an investor making a market peak. For example, suppose you invest Rs 10,000 in monthly SIP from January 2011 to December 2020 in Nifty 100 index. Your total investment is Rs.12,00,000. As of December 2020, its value is Rs.22,06,095.<br /><br />If we change the monthly SIP of Rs 10,000 to weekly SIP of Rs 2,298, our total investment remains unchanged at Rs 12,00,000. But, the value of the investment in December 2020 is Rs.22,06,413. Weekly SIP has yielded Rs 318 more than monthly SIP. </div><div><br /></div><div>Similarly, if we convert monthly SIP to daily SIP, we will invest Rs.484.26 per day. Total investment from January 2011 to December 2020 is Rs.12,00,000. The value of the investment in December 2020 is Rs.22,07,230. Daily SIP has yielded Rs 1,135 more than monthly SIP.<br /><br />If we compare the returns of SIP investment, daily, weekly and monthly, it is clear that there is not much difference. This comparison tells us:<br /><ul style="text-align: left;"><li>Weekly SIP returns are not much higher than monthly SIP returns to argue that there is a greater return on account of shortening the period of SIP investment and investing more frequently.</li><li>When the market is in decline i.e. when the investment cost is expected to decrease, monthly SIP method is sufficient for that. If the market downturn is short-lived, no SIP scheme has the potential to reduce investment costs. So, if you want to take full advantage of market decline to reduce your investment cost, the best way to do that is to invest a substantial lump sum of your surplus and carry out averaging in SIP investments.</li></ul>Here we are considering only relatively few time limits. If you are not satisfied with this comparison then you can calculate and compare the returns given by SIP investments in some other time frames.<br /><br />Take the time limit based on the start date and end date. For example, from 01.01.2005 to 31.12.2019. Calculate and compare SIP investment amount, total investment, value on investment at the end and rate of return. We have given the income comparison table in this example. Similarly, you can compare and contrast.<br /><br />If you are attracted by the fact that weekly SIPs and daily SIPs offer slightly higher returns than monthly SIPs, you can freely opt for weekly SIPs and daily SIPs. Or for those who are still confused, here are some clear explanations on why monthly SIP is best.<br /><ul style="text-align: left;"><li><b><u>Monthly SIP is easy to manage</u></b>: Salaries get paid only once a month. Hence, monthly SIP method is suitable. It's easy to keep track of your bank account balances and make sure you have enough money to invest when it comes to monthly investments. In case of weekly SIP, 4 installments in a month, in case of daily SIP, the number of trading days in a month. So, there is always work to be done to see if there is money in the bank account and for how many more installments the money is required. In case of monthly SIP, this does not work.</li><li><b><u>Tax return filing, portfolio management made easy</u></b>: When we sell the mutual fund investment and take the proceeds we have to record the capital gain in the tax return. This capital gain has to be calculated separately for each investment transaction. When the number of investment transactions is large, it is very difficult to calculate the cost and profit of each transaction. Similarly, exit load is difficult to calculate. Hence, calculating the capital gain on monthly SIP and managing the portfolio will be easy.</li><li><b><u>Benefit on Equity Funds only</u></b>: In SIP investments only equity funds can see significant gains by taking advantage of fluctuations. Averaging opportunities are not available through SIP investments in other types of funds. Similarly, timing in other funds carries significant risk. Therefore, frequent investments in other types of funds will bring more difficulty.</li></ul>The advantage of SIP investment is its simplicity. The biggest benefit of this is that it brings discipline to investing, as we often mention. It's best to do monthly SIP!<br /></div>
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</style>Somesh Renganathanhttp://www.blogger.com/profile/02237444388087338120noreply@blogger.comChennai, Tamil Nadu, India13.0826802 80.2707184-15.227553636178845 45.114468400000007 41.392914036178844 115.4269684tag:blogger.com,1999:blog-8695768261684177122.post-33197647042943247562022-10-29T21:06:00.012+05:302022-10-29T21:25:38.698+05:30Things to Lookout While Choosing a Financial Advisor<p>Who doesn't have a desire? You, me and almost every one of us have desires. The desire to build your own home, the desire to spend vacations happily, the desire to live a debt-free life. we can go on and on. To fulfill the desires, it is necessary to manage our budget properly and invest the right amount to achieve the right goal. Financial advisors are the people who support us in making these decisions.</p><div style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg3yB1nytekHV9b5bSXLM9Jjl41QXYuah6fJAhFGrTIRjjfeV_LLrY9EBS1v67YymQJgOOMj2JpGaOGTpo64G6Y3wFqikIDwBhnz103LuiZQ1R_eZ5YV5PToayeKyM2bAbeRig6CcTDgZaYO16PjTDu9PKICcq8bbt56_vSdQdsGD_tnoa0TBymD2ywwg/s780/Things-to-lookout-when-seeking-a-Financial-Advisor.webp"><img alt="Things to lookout when seeking Financial Advisor" border="0" data-original-height="452" data-original-width="780" loading="lazy" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg3yB1nytekHV9b5bSXLM9Jjl41QXYuah6fJAhFGrTIRjjfeV_LLrY9EBS1v67YymQJgOOMj2JpGaOGTpo64G6Y3wFqikIDwBhnz103LuiZQ1R_eZ5YV5PToayeKyM2bAbeRig6CcTDgZaYO16PjTDu9PKICcq8bbt56_vSdQdsGD_tnoa0TBymD2ywwg/s16000/Things-to-lookout-when-seeking-a-Financial-Advisor.webp" title="Things to lookout when seeking Financial Advisor" /></a></div><h3 style="text-align: left;">Who is a Financial Advisor?</h3><p>Financial advisors are people who provide ideas and consultation on how to manage money, how to plan and invest, how to spend. A financial advisor will give you all kinds of ideas right from choosing which investments to focus on to achieve a specific financial goal, advising on tax deductions, planning for investments, planning for retirement.</p><p>Each borrower's risk appetite for investing varies according to the situation. Hence, it is important to check whether a financial advisor is recommending us the right investment schemes or is recommending specific investment schemes for their own profit. It is important to periodically check and decide whether our financial advisor is guiding us in the right direction rather than thinking that we have appointed a financial advisor and there are no more problems.</p><h3 style="text-align: left;">Who is a Certified Financial Advisor?</h3><p>The course conducted by the National Institute of Securities Management (NISM) has two levels, Level 1 and Level 2. A person who passes these two levels gets the qualification of financial advisor. Those who pass both these stages will be issued a license number. They can put themselves as investment advisors on their websites and visiting cards. These investment advisors are qualified to work with clients for a fee. The SEBI regulation states that if one does not pass the examination conducted by NISM, one can claim to be a financial planner and not to claim to be an investment advisor. So, it is important that you keep this in mind before approaching any financial advisor.</p><h3 style="text-align: left;">Types of Financial Advisor</h3><p>There are broadly two types of Financial Advisors. </p><p></p><ul style="text-align: left;"><li>Fee Only Financial Advisor</li><li>Commission based Financial Advisors</li></ul><p></p><p>If your portfolio value spans up to a million, then you can probably choose a Fee only financial advisor as they would charge a flat fee for the advisory service they provide. It is similar to paying a doctor fee.</p><p>If your portfolio value is more than few millions and you have different source of income, seeking a commission based Financial Advisor would be an ideal choice. They will charge a flat percentage of the total assets value for which they provide advisory service.</p><h3 style="text-align: left;">How to find the Right Financial Advisor?</h3><p>As important as it is for a financial advisor to be knowledgeable about investments, it is equally important that he be trustworthy. Before appointing a financial advisor, we should look at his background, how many years of experience he has and whether he is recommended by a trusted person. It is one way to know these things from those who know him well, but another way is to ask the concerned financial advisor himself. Even talking to some of his clients, we can come to a conclusion about him.</p><p>A good financial advisor listens carefully to the clients and gives them solutions accordingly. If he doesn't have extensive knowledge on specific subjects, he will say 'I don't know' or 'I will check them out and let you know' about things he doesn't know. He would recommend consulting with experts in that field on matters outside his area of expertise.</p><p>It should be observed whether the financial advisor is recommending the right plan for us or whether he is recommending it with the expectation of future benefits. For example, an advisor may recommend a term insurance plan that offers higher compensation at a lower premium. If someone recommends another insurance plan to leave that insurance plan, we can freely ask the reason behind it.</p><h3 style="text-align: left;">Unique Solutions for Unique Problems</h3><p>When it comes to investing, one style doesn't fit for all. The right approach is to invest according to each individual's goals and financial planning. Stock market investing can be intimidating for those who only focus on safe investments. If he doesn't understand this and insists on stock market investing over and over again, he will look for another financial advisor. Therefore, it is better to know the risk that the investor wants to take, to take the risk and what return he will get, and to make him successful.</p><h3 style="text-align: left;"></h3>Somesh Renganathanhttp://www.blogger.com/profile/02237444388087338120noreply@blogger.comChennai, Tamil Nadu, India13.0826802 80.2707184-15.227553636178845 45.114468400000007 41.392914036178844 115.4269684tag:blogger.com,1999:blog-8695768261684177122.post-22973676328486745602022-05-15T20:21:00.006+05:302022-10-29T09:33:44.010+05:30Old Age Home Expense And How Much Does It Actually Cost In India?<span style="font-family: Cambria;">If you're nearing retirement anytime soon or started your hunt for old-age homes, you might find this blog on "how much will it cost to live in an old-age home" insightful. Well, what made me to come up with this blog is, I had a conversation with an old age couple a few days back. They're planning to settle in an old-age home and are quit doubtful regarding the expenses. If you too can relate to this scenario, delve into this blog.</span><div><br /><div><div style="text-align: center;"><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiJ6nM5HAcx9cx1ZC9NYWoH8i5S4igfEkBPmRVP51PGM9apkSw3uffVVoYaHgizCXKxeMzW5x4uYwbFYE8coqMjZy1Y6RBsV-jzQNq5L_He0AOmS92jy3CAKF5-GlF4wZDU7ZtXkaigY0t001QljcuAavBwf3kVSVkyvOM2qXHfXcU3j9luYCKnCDqOJA/s640/Old-Age-Home-Expense-And-How-Much-Does-It-Actually-Cost-in-India.webp" style="margin-left: 1em; margin-right: 1em;"><img alt="Old Age Home Expense And How Much Does It Actually Cost In India?" border="0" data-original-height="426" data-original-width="640" loading="lazy" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiJ6nM5HAcx9cx1ZC9NYWoH8i5S4igfEkBPmRVP51PGM9apkSw3uffVVoYaHgizCXKxeMzW5x4uYwbFYE8coqMjZy1Y6RBsV-jzQNq5L_He0AOmS92jy3CAKF5-GlF4wZDU7ZtXkaigY0t001QljcuAavBwf3kVSVkyvOM2qXHfXcU3j9luYCKnCDqOJA/s16000/Old-Age-Home-Expense-And-How-Much-Does-It-Actually-Cost-in-India.webp" title="Old Age Home Expense And How Much Does It Actually Cost In India?" /></a></div></div><div><span style="font-family: Cambria;"><br /></span></div><div><span style="font-family: Cambria;">Let me give you a basic assumption of old-age home expenses for a couple. Suppose you need an old-age home with basic amenities.</span><br /><br /><span style="font-family: Cambria;"><span><b>Rs.15,000 - Rs. 20,000 (per month, per head)</b> - This cost is a basic one (</span><span>Food, Groceries, </span><span>EB, DTH, Laundry, mobile recharge, etc.,) and doesn't include medical expenses and initial deposit </span>(<b>ranges from Rs. 1 lakh to Rs. 20 lakhs per couple </b>based on the amenities they provide<b>)</b>, which differs from one old-age home to other.</span></div><div><span style="font-size: medium;"><br /></span></div><div><span>The couple whom I referred in the beginning of this blog are of the age 50+ and are planning to shift to an old-age home in next 10 years. All they need to know is the amount of money they need to allocate each year for residing in an old-age home.</span></div><div><span style="font-size: medium;"><br /></span></div><div><span>Let's assume the cost as <b>Rs. 20k per month, per head</b>.<b> </b>The rough estimate goes like this:</span></div><div><span><br /></span></div><div><span>2022 - Rs. 20,000 X 12 = Rs. 2,40,000</span></div><div><span><br /></span></div><div><span>2032 - Rs. 40,000 X 12 = Rs. 4,80,000</span></div><div><span><br /></span></div><div><span>2042 - Rs. 80,000 X 12 = Rs. 9,60,000</span></div><div><span><br /></span></div><div><span>2052 - Rs. 1,60,000 X 12 = Rs. 19,20,000</span></div><div><span><br /></span></div><div><span>So, how much corpus do you need when you retire in 2032 to accommodate your old-age home expenses? It's <b>Rs. 4,80,000 X 12 = </b> <b>Rs. 1.44 Crores</b></span></div><div><span><br /></span></div><div><span>So, you need to have <b>Rs. 1.44 Crores</b> in a Fixed Deposit (or any other financial instrument), which should yield you a <b>6% return </b>post tax, which comes out to be <b>Rs. 8,64,000</b> for an year. You will use <b>Rs. 4,80,000</b> for your Old Age Home expense and reinvest the balance <b>Rs. 3,86,000</b> again into the Fixed Deposit (or any other financial instrument) so as to fight against the Inflation which would increase the cost of living gradually, every year.</span></div><div><span><br /></span></div><div><span>The above assumed calculations are for a single person. If you are a couple, then the amount you see above doubles. So the couple whom I referred needs Rs. 2.88 Crores allocated for Senior Citizen retirement home when they are retiring in 2032.</span></div></div></div><div><br /></div><div>Get to know about the <a href="https://www.someshr.com/2022/10/6-Financial-Habits-of-Rich-People.html" target="_blank">Financial Habits of Rich People</a> so that you can plan for bigger corpus for your retirement life.</div>Somesh Renganathanhttp://www.blogger.com/profile/02237444388087338120noreply@blogger.comIndia20.593684 78.96288-7.7165498361788458 43.80663 48.903917836178849 114.11913tag:blogger.com,1999:blog-8695768261684177122.post-82333529631099303522019-05-25T23:25:00.004+05:302022-06-11T11:20:23.336+05:30Financial Ratios: Make Investing Easy By Understanding These Numbers<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj1bvZ5mTeFn5jnVDM9fwUZYpxEqe05zVxWrM91diDKm1Hpv7oomUDgAsyrIeSIrDBgM4R_ERRcJXCynNfsjMupjmt23tMec0SUmEiTL57Xgo1gSRSTvMleYfvPYSuLSVKyyEDoFHCIulfs/s1600/Financial-Ratios-Make-Investing-Decisions-Easy-By-Understanding-These-Numbers.webp" style="margin-left: 1em; margin-right: 1em;"><img alt="Financial Ratios: Make Investing Decisions Easy By Understanding These Numbers" border="0" data-original-height="683" data-original-width="1024" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj1bvZ5mTeFn5jnVDM9fwUZYpxEqe05zVxWrM91diDKm1Hpv7oomUDgAsyrIeSIrDBgM4R_ERRcJXCynNfsjMupjmt23tMec0SUmEiTL57Xgo1gSRSTvMleYfvPYSuLSVKyyEDoFHCIulfs/s1600/Financial-Ratios-Make-Investing-Decisions-Easy-By-Understanding-These-Numbers.webp" loading="lazy" title="Financial Ratios: Make Investing Decisions Easy By Understanding These Numbers" /></a></div>
Let us consider we have two vehicles. You fill both vehicles with 1 liter of fuel. You have the data of how much <b>Distance</b> it has traveled and what <b>Time</b> it has took. You can divide <b>Distance</b> by <b>Time</b> to get <b>Speed</b>. You can divide <b>Distance</b> by <b>Fuel Used</b> to determine the <b>Mileage</b>. Financial Ratios are nothing but similar to Speed and Mileage, which you can determine with the help of available information. You can use the various Financial Ratios to determine the best out of a list of Stocks and also use to Rank them to find the right one for Investments. We will know how to find the Financial Numbers and how to determine the Ratios which in turn will help us for taking better decisions.<br />
<br />
<h2>
Role of Financial Ratios in Investing/Trading</h2>
<br />
The first step for a Smart Investor is knowing the Numbers of the Company he/she interested in. I've mentioned Numbers which can be extracted from a Company's public available information either from Company websites, Annual Reports or even from Newspapers (Official Circulars). Naturally I have love towards Numbers (I got distinction in all 4 mathematics papers in my Engineering course).<br />
<br />
Any investor interested in stock analysis should be able to calculate financial ratios. The basic source of these ratios is the company’s profit & loss account and balance sheet that contain all kinds of important information about that company. The ratios really help to bring those details to light and identify the financial strengths and weaknesses of the company. When assessing ratios, it is important that the results are compared with other companies in the same industry and not to be taken in isolation. What may seem like a poor ratio at first glance may well be normal for that industry and, of course, the reverse applies, in that what may seem a good ratio on its own, could be below average for that industry.<br />
<br />
Financial ratios indirectly tells us information about a company's Financial Strength, Management Effectiveness, Efficiency and Profitability.<br />
<br />
It helps us to identify:<br />
<br />
<ul>
<li>The Current Financial Position of the Company</li>
<li>Where the Company stands among its peers </li>
<li>If the Stock is correctly priced by the market</li>
<li>It helps you to decide if a particular Company is eligible for investing</li>
</ul>
<br />
<div>
Financial Ratio Analysis is also called Fundamental Analysis. Many investors use fundamental analysis alone or in combination with other tools to evaluate Stocks for investment purposes. The ultimate goal is to determine the current worth of the Company and, more importantly, how the market values the Company's Stock.<br />
<br />
The below listed Financial Ratios are the important one's and which might help identify the potential opportunities in a stock. You can click the links to read them in detail and know how to calculate them for any given stock and also how to interpret the ratios.<br />
<br />
<ol>
<li>Earnings Per Share or EPS</li>
<li>Price To Earnings Ratio or P/E Ratio</li>
<li>Market Capitalization</li>
<li>Price To Sales Ratio or P/S Ratio</li>
<li>Price To Book Ratio or P/B Ratio</li>
<li>Dividend Payout Ratio and Retention</li>
<li>Dividend Yield and Earnings Yield</li>
<li>Book Value</li>
<li>Return On Equity (ROE) and ROCE</li>
<li>Interest Coverage Ratio</li>
<li>Evaluating Debt: Current and Quick Ratios</li>
<li>PEG Ratio (P/E by Projected Growth Ratio)</li>
</ol>
<br />
Hope you enjoy this series of Financial Ratios. Do let me know whether any more details are required or need clarifications about. Will consider to add them.</div>
Somesh Renganathanhttp://www.blogger.com/profile/02237444388087338120noreply@blogger.comtag:blogger.com,1999:blog-8695768261684177122.post-38919688705139350762018-06-02T19:58:00.003+05:302022-10-29T09:28:19.414+05:30How Warren Buffett Identifies Value Stocks to Invest?<div dir="ltr" style="text-align: left;" trbidi="on">
<div class="separator" style="clear: both; text-align: center;">
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<div>
<br /></div>
Four most powerful tools that Warren Buffett uses to identify value stocks. If you understand them all then you can easily pick value stocks for wealth creation. Warren Buffett Intrinsic Value investing formula technique is shared below.<br />
<br />
Suppose you are sitting in a beer bar with some of your friends. While drinking the beer you got idea to start your business. The business of printing T-shirts. It requires ₹1,000 to open and start that business but you have only ₹250. You convinced one of your friends sitting with you and he is agree to pay you remaining ₹750.<br />
<br />
Now you have ₹250 as equity ( Investor’s original money invested) and ₹750 is your debt that you have to pay back. You started your business and in very first year your company has generated<br />
<br />
Revenue = ₹200<br />
<br />
Expenses = ₹80<br />
<br />
Operating Profit or EBIT = ₹200- ₹80 = ₹120<br />
<br />
Net Profit (After deduction of TAX and Interest say 20rs.)= ₹100<br />
<br />
Now some of the important terms are as follows:<br />
<br />
Equity or Shareholder’s equity : ₹250<br />
<br />
Debt or Total liability : ₹750<br />
<br />
Total Asset = Asset + Liability i.e. ₹750 + ₹250 = ₹1000<br />
<br />
Now here we go:<br />
<br />
ROE ( Return On Equity) : Many people don’t really understand the real meaning of ROE, they just say, divide net profit to shareholder’s equity and your ROE is ready. I am not saying they are lying but the fact is you need to understand the terms so that you can use it in your analysis part.<br />
<br />
Now in this business <br />
<br />
ROE = Net Profit / Shareholders Equity<br />
<br />
ROE = 100/250 = 40%<br />
<br />
Return on equity measures a corporation's profitability by revealing how much profit a company generates with the money shareholders have invested. <br />
<br />
The ROE is useful for comparing the profitability of a company to that of other firms in the same industry. It illustrates who effective the company is at turning the cash put into the business into greater gains and growth for the company and investors. The higher the return on equity, the more efficient the company's operations are making use of those funds.<br />
<br />
ROA ( Return On Asset):<br />
<br />
ROA = Net Income / Total Assets<br />
<br />
Return on assets (ROA) is an indicator of how profitable a company is relative to its total assets. Here is a twist, Remember that a company's total assets is the sum of its total liabilities and shareholder's equity. Both of these types of financing are used to fund the operations of the company. Since a company's assets are either funded by debt or equity.<br />
<br />
The company has no retained earnings so Reserves and Surplus would be zero.<br />
<br />
So, <br />
<br />
ROA = 100/(250+750+Reserves and surplus)<br />
<br />
ROA = 100/(250+750+0)<br />
<br />
ROA = 10%<br />
<br />
A higher ROA represents how efficiently the company is using its total asset in its core business to generate profits.<br />
<br />
ROA is most useful for comparing companies in the same industry, as different industries use assets differently.<br />
<br />
ROCE ( Return of Capital Employed) <br />
<br />
Return on capital employed (ROCE) is a financial ratio that measures a company's profitability and the efficiency with which its capital is employed.Here Capital Employed is not the total asset, this capital is the total capital that has been used to generate profits in the company.<br />
<br />
ROCE is calculated as: <br />
<br />
ROCE = EBIT / Capital Employed<br />
<br />
EBIT = Total Revenue - Expenses i.e. 200 - 80 = ₹120<br />
<br />
Total Capital Employed = Equity + Liabilities - Reserves & Surplus<br />
<br />
In this example Total Capital Employed = 250 + 750 - 0 = ₹1000<br />
<br />
ROCE = 120 / 1000 = 12%<br />
<br />
For a company, the ROCE trend over the years is also an important indicator of performance. In general, investors tend to favor companies with stable and rising ROCE numbers over companies where ROCE is volatile and bounces around from one year to the next.<br />
<br />
Debt to Equity Ratio : <br />
<br />
This is very important parameter that simply determines that how much debt the company has on every 1 Rs. invested by original investors<br />
<br />
Debt to Equity Ratio : Total Debt / Shareholder's equity<br />
<br />
Debt to Equity Ratio : 750/250 = 3<br />
<br />
So Debt/Equity should always be less than or equal to .5</div>
Somesh Renganathanhttp://www.blogger.com/profile/02237444388087338120noreply@blogger.comtag:blogger.com,1999:blog-8695768261684177122.post-38133550723063018122018-04-22T07:11:00.001+05:302022-06-15T08:08:11.012+05:30{NSE|BSE} Stock Market {Open|Closing} Timings In India<div dir="ltr" style="text-align: left;" trbidi="on">
If you ask any trader about the <b><i>Stock Market Timings in India</i></b>, you could easily get the answer as <b>09:15 am to 03:30 pm</b> from <i>Monday to Friday</i>. But there are some few more things to discuss about the stock market timings in India such as Pre Market Open Session, Trading Session as well as Post Market Closing Session if you look deep into the topic. That's what I am about to discuss in this post.<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj27B5d_EYE_YRzDoxnGRcW6jFMh9gCdeiVvGB8FQiaLYWAbGNewARpEP-EQ-auc68Ra1MC_50dVRnn83zRcGU0QknNzPWlDVZYaB4tuPUUqWkOMaTnBKlZOEoW-SfwSfrVYp5hpuU56y2N/s1600/Stock-Market-Timings-in-India.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Stock Market Timings in India" border="0" data-original-height="426" data-original-width="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj27B5d_EYE_YRzDoxnGRcW6jFMh9gCdeiVvGB8FQiaLYWAbGNewARpEP-EQ-auc68Ra1MC_50dVRnn83zRcGU0QknNzPWlDVZYaB4tuPUUqWkOMaTnBKlZOEoW-SfwSfrVYp5hpuU56y2N/s1600/Stock-Market-Timings-in-India.jpg" title="Stock Market Timings in India" /></a></div>
<div class="separator" style="clear: both; text-align: center;">
<br /></div>
<h2 style="text-align: left;">
Stock Market Timings in India</h2>
Trading on the Indian Equities segment takes place on all weekdays except Saturday, Sunday and on Stock Market Holidays declared by Indian Stock Exchanges in advance. You could get much more details about the holidays in link here: <a href="https://www.nseindia.com/global/content/market_timings_holidays/market_timings_holidays.htm" rel="nofollow" target="_blank">NSE Market Timing Holidays</a><br />
<br />
<h2 style="text-align: left;">
Pre-Market Session</h2>
The Pre-Open Trade session is a 15 minute trade session from 09:00 am to 09:15 am on the 50 stocks of NIFTY Index. Only 50 stocks of the NIFTY Index can be traded in this session. Normal trading for all other stocks will commence from 09:15 am till 03:30 pm.<br />
<br />
<h2 style="text-align: left;">
What is the Need for Pre-Market Session?</h2>
In case a major event or announcement comes overnight before market opens, such events are likely to bring heavy volatility on the next day when the market opens. Special events include merger and acquisition announcements, open offers, delistings, debt-restructurings, credit-rating downgrades etc which may have a deep impact on investors wealth. In order to stabilize this, pre open call auction is conducted to discover the right price and to reduce volatility.<br />
This Pre-Open Session is further divided into 8+4+3 minutes sessions.<br />
<br />
<ul style="text-align: left;">
<li>09:00 AM to 09:08 AM</li>
<ul>
<li>During this session investors can place/ modify /cancel orders on the basis of which the exchanges would determine the rates at which trading would happen. Orders are not accepted after this initial 8 minutes.</li>
</ul>
<li>09:08 AM to 09:12 AM</li>
<ul>
<li>In this four minutes, orders are matched, executable price is discovered and trades are confirmed. This session is used to determine the Opening Price of the stock in the normal trading session. You will not be able to cancel the orders here.</li>
</ul>
<li>09:12 AM to 09:15 AM</li>
<ul>
<li>This 3 minutes is just a buffer period for transmission from pre-market session to normal market session.</li>
</ul>
</ul>
<h2 style="text-align: left;">
Normal Market Session</h2>
This is the session where most of the trading activities takes place. You can Buy and Sell stocks in this session. It follows Bilateral matching session, where if buying price is equal to selling price, transaction is said to be complete. Here transactions are as per price and time priority.<br />
<br />
<h2 style="text-align: left;">
Closing Session</h2>
The time between 03:30 pm and 03:40 pm is used to calculate the closing price of the stock. It is calculated as the weighted average of the price between 03:00 pm to 03:30 pm. Index closing price is also calculated by their constituent stocks closing price between 03:00 pm to 03:30 pm. </div>
Somesh Renganathanhttp://www.blogger.com/profile/02237444388087338120noreply@blogger.comtag:blogger.com,1999:blog-8695768261684177122.post-39157943531246179562018-04-22T07:00:00.000+05:302018-04-26T15:57:18.253+05:30Intraday Trading With Gann Square of 9 Calculator (Live Case Study)<div dir="ltr" style="text-align: left;" trbidi="on">
Please Enter below the LTP (after 9.30 a.m) of the NSE/BSE Nifty or any Index or Stock script for which you need to calculate Intraday Resistance and Support levels as well as Stock Targets and Stoploss recommendation based on <b>Gann's Square of Nine</b> method. Also see below <b>Casestudy </b>if you want to know how it worked for me.
<br />
<table bgcolor="orange" border="1" cellpadding="5" cellspacing="0">
<caption>Gann Online Calculator</caption>
<tbody>
<tr>
<td align="center" colspan="7" style="color: black; font-size: 12px; font-weight: bold;">Enter LTP: <input id="ltp" name="ltp" size="10" type="text" /> >> <input onclick="calculate()" type="button" value="Calculate" /></td>
</tr>
<tr>
<td bgcolor="blueviolet" colspan="7" style="color: white; font-size: 18px; text-align: center;">Gann Square of 9</td>
</tr>
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</tbody></table>
<br />
The Gann's calculated <b>Resistance </b>and <b>Support </b>levels for the provided LTP value above is as given below for <b>Intraday </b>only.
<br />
<table border="1" cellpadding="5" cellspacing="0">
<caption>Gann Resistance and Support Levels</caption>
<tbody>
<tr>
<td bgcolor="blueviolet" colspan="7" style="color: white; font-size: 18px; text-align: center;">Resistance & Support Levels </td>
</tr>
<tr>
<td style="color: darkblue; font-size: 14px; font-weight: bold; text-align: center;">Resistance 1</td>
<td style="color: darkblue; font-size: 14px; font-weight: bold; text-align: center;">Resistance 2</td>
<td style="color: darkblue; font-size: 14px; font-weight: bold; text-align: center;">Resistance 3</td>
<td style="color: darkblue; font-size: 14px; font-weight: bold; text-align: center;">Resistance 4</td>
<td style="color: darkblue; font-size: 14px; font-weight: bold; text-align: center;">Resistance 5</td>
</tr>
<tr>
<td id="res1" style="color: black; font-size: 14px; font-weight: bold; text-align: center;"></td>
<td id="res2" style="color: black; font-size: 14px; font-weight: bold; text-align: center;"></td>
<td id="res3" style="color: black; font-size: 14px; font-weight: bold; text-align: center;"></td>
<td id="res4" style="color: black; font-size: 14px; font-weight: bold; text-align: center;"></td>
<td id="res5" style="color: black; font-size: 14px; font-weight: bold; text-align: center;"></td>
</tr>
<tr>
<td style="color: darkblue; font-size: 14px; font-weight: bold; text-align: center;">Support 1</td>
<td style="color: darkblue; font-size: 14px; font-weight: bold; text-align: center;">Support 2</td>
<td style="color: darkblue; font-size: 14px; font-weight: bold; text-align: center;">Support 3</td>
<td style="color: darkblue; font-size: 14px; font-weight: bold; text-align: center;">Support 4</td>
<td style="color: darkblue; font-size: 14px; font-weight: bold; text-align: center;">Support 5</td>
</tr>
<tr>
<td id="sup1" style="color: black; font-size: 14px; font-weight: bold; text-align: center;"></td>
<td id="sup2" style="color: black; font-size: 14px; font-weight: bold; text-align: center;"></td>
<td id="sup3" style="color: black; font-size: 14px; font-weight: bold; text-align: center;"></td>
<td id="sup4" style="color: black; font-size: 14px; font-weight: bold; text-align: center;"></td>
<td id="sup5" style="color: black; font-size: 14px; font-weight: bold; text-align: center;"></td>
</tr>
</tbody></table>
<br />
You can use the below Gann's Recommended <b>Targets </b>and <b>Stoploss </b>for the stock/Index for <b>Intraday </b>only.
<br />
<table border="1" cellpadding="5" cellspacing="0">
<caption>Gann Recommendation for Targets and Stoploss</caption>
<tbody>
<tr>
<td colspan="8"><span style="color: black; font-size: 14px; font-weight: bold;">Recommendation:</span><br />
<span style="color: black; font-size: 14px; font-weight: bold;">Buy at / above: </span><span id="buyAt" style="color: black; font-size: 16px;"> </span> <span style="color: black; font-size: 14px; font-weight: bold;"> Targets: </span><span id="buy" style="color: black; font-size: 16px;"> </span><br />
<span style="color: black; font-size: 14px; font-weight: bold;">Stoploss : </span><span id="buyStoploss" style="color: black; font-size: 16px;"> </span><br />
<span style="color: black; font-size: 14px; font-weight: bold;">Sell at / below: </span><span id="sellAt" style="color: black; font-size: 16px;"> </span> <span style="color: black; font-size: 14px; font-weight: bold;"> Targets: </span><span id="sell" style="color: black; font-size: 16px;"> </span><br />
<span style="color: black; font-size: 14px; font-weight: bold;">Stoploss : </span><span id="sellStoploss" style="color: black; font-size: 16px;"> </span></td></tr>
</tbody></table>
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<br />
<h3 style="text-align: left;">
Sample Trading Casestudy using the above Gann Suare of Nine Method</h3>
I took <b>BHARTIARTL </b>on <b>NSE </b>as on 17th October, 2017<br />
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<b>Also Read: <a href="https://www.someshr.com/2018/04/Stock-Market-Opening-Closing-Timings-in-India.html" target="_blank">NSE/BSE Opening Closing Timings in India</a></b><br />
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I checked for the <b>LTP </b>as on <b>9:35 am</b> and found it to be <b>458.05</b> and entered the same in above <b>Gann Square of Nine Intraday Calculator</b>.<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiimMrFgeewZfGWCVbq9NDEMHFjobLigFiL3YwZS1KBBOYzXmXcHOTk4fcFbJw_LLmhZCctma2PMrRuG2iq9xGz8RqQK_RBwzsl7Jf34asDweNatagqtDD94z7s37DityryZifV_ebk18gD/s1600/Gann-Square-of-Nine-Calculation-LTP-Selection.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Gann Square of Nine Calculation LTP Selection" border="0" data-original-height="216" data-original-width="317" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiimMrFgeewZfGWCVbq9NDEMHFjobLigFiL3YwZS1KBBOYzXmXcHOTk4fcFbJw_LLmhZCctma2PMrRuG2iq9xGz8RqQK_RBwzsl7Jf34asDweNatagqtDD94z7s37DityryZifV_ebk18gD/s1600/Gann-Square-of-Nine-Calculation-LTP-Selection.png" title="Gann Square of Nine Calculation LTP Selection" /></a></div>
As soon as I entered the LTP, I got Resistance and Support levels, and as well as the Target and Stoploss Recommendation also.<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh1vYjDC1LtjiT-OACG-ouLqlX4QTlNbFyMoHU9jEzAoMFQLU3Jhsgst6Ev2USz6D9tv5s0ggfS68EoVqj8VqGjMva8KDFhy7gVZQL6y5A3Rn1rw4wp6BK_lirVyj28Ep_KUcxsXUWWZ8-t/s1600/Gann-Square-of-Nine-Calculation-Resistance-Support-Target-Stoploss.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Gann Square of Nine Calculation Resistance Support Target Stoploss" border="0" data-original-height="485" data-original-width="760" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh1vYjDC1LtjiT-OACG-ouLqlX4QTlNbFyMoHU9jEzAoMFQLU3Jhsgst6Ev2USz6D9tv5s0ggfS68EoVqj8VqGjMva8KDFhy7gVZQL6y5A3Rn1rw4wp6BK_lirVyj28Ep_KUcxsXUWWZ8-t/s1600/Gann-Square-of-Nine-Calculation-Resistance-Support-Target-Stoploss.png" title="Gann Square of Nine Calculation Resistance Support Target Stoploss" /></a></div>
As for the day, <b>Open and Low was same</b>, I did not want to short the stock and waited for it to break the <b>462.25</b> levels, so that I can enter to buy the stock.<br />
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At around 12.55 pm, it touched the <b>462.5</b> levels, and the stock was bought with a <b>stop loss order</b> of <b>456.89</b>.<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgUvWMyLe6ulnC0K0gmxk8oFybMLSiFOq6QASYRMAeRJrwZIh8sOKinpa9TlsKd_wcmcBQCfIcDnBULRnFFIfmWSHUA45Pw-_JSgRYMaZ4d2BP_2dKmuEIde3au3B9uP6lnW9w89HyGiUjt/s1600/Gann-Square-of-Nine-Calculation-Buy-Level-Breaks.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Gann Square of Nine Calculation Buy Level Breaks" border="0" data-original-height="212" data-original-width="429" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgUvWMyLe6ulnC0K0gmxk8oFybMLSiFOq6QASYRMAeRJrwZIh8sOKinpa9TlsKd_wcmcBQCfIcDnBULRnFFIfmWSHUA45Pw-_JSgRYMaZ4d2BP_2dKmuEIde3au3B9uP6lnW9w89HyGiUjt/s1600/Gann-Square-of-Nine-Calculation-Buy-Level-Breaks.png" title="Gann Square of Nine Calculation Buy Level Breaks" /></a></div>
The first target was given as <b>467.4</b> as per the above <b>Gann Square of Nine method</b> and it was achieved at around 2:45 pm as the scrip went upto <b>469</b> levels. As the first target was achieved, the <b>stop loss order was re modified as 467.4</b> and waited for next Target <b>472.82</b>. But, within few minutes, it came back to <b>467.25</b> and <b>triggered </b>the stop loss order and the scrip was <b>sold </b>at <b>467.4</b> levels.<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgeY2UL-fxkTrfWQcGWQVlFPg5NVGbHpjRURGXPg5WVQ-hdUqgUMUwFCtBtpCqJh4UST8Kv2g1RKjkEA9IYtQoZ30dZ7EZtPdO3u89dOeU3kK4EkpT-xTA3GadxZ7N08oFZSe9N5vYvZXjm/s1600/Gann-Square-of-Nine-Calculation-Target1-Achieved.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Gann Square of Nine Calculation Target1 Achieved" border="0" data-original-height="195" data-original-width="248" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgeY2UL-fxkTrfWQcGWQVlFPg5NVGbHpjRURGXPg5WVQ-hdUqgUMUwFCtBtpCqJh4UST8Kv2g1RKjkEA9IYtQoZ30dZ7EZtPdO3u89dOeU3kK4EkpT-xTA3GadxZ7N08oFZSe9N5vYvZXjm/s1600/Gann-Square-of-Nine-Calculation-Target1-Achieved.png" title="Gann Square of Nine Calculation Target1 Achieved" /></a></div>
Totally, The trade made a <b>profit of Rs.450</b>+ following the <b>Gann's square of Nine method for Intraday</b>.<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhRLkmfN4vVT3gbu6uILQ3Py7P2iwyafX5pKcXQS1cHq6AENL5_G7jJUhAgCDWkNkLzBsNE4mtH0E44EWSpkkaCliNZbESMitwWxCkNwGy2qfliTLcra0S4sLiuC3WegPK6DMj8yXnmNJ86/s1600/Gann-Square-of-Nine-Calculation-Profits.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Gann Square of Nine Calculation Profits" border="0" data-original-height="486" data-original-width="295" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhRLkmfN4vVT3gbu6uILQ3Py7P2iwyafX5pKcXQS1cHq6AENL5_G7jJUhAgCDWkNkLzBsNE4mtH0E44EWSpkkaCliNZbESMitwWxCkNwGy2qfliTLcra0S4sLiuC3WegPK6DMj8yXnmNJ86/s1600/Gann-Square-of-Nine-Calculation-Profits.png" title="Gann Square of Nine Calculation Profits" /></a></div>
Thus, you could see from the above case study that, The target as suggested by Gann's square of Nine method worked. But let me make you clear you with some details on how you could have lost money in this trade.<br />
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*You could have shorted at the 456.89 once it went below it. As I was sure that it will increase due to open and low are same, I did not short it.<br />
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*Once it reached the Target1, the stoploss order was re modified. If it was not done in a timely manner, you could have lost profits, since the stock came down from top within few minutes.<br />
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<b>Also Read: <a href="https://www.someshr.com/p/optionsmaxpainchartniftyandbanknifty.html" target="_blank">Nifty Monthly Expiry and BankNifty Weekly Expiry Option Pain Cheat Sheet</a></b><br />
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Finally, I want to suggest is that, Gann Square of Nine method is a profitable method if and only if you are clear with the direction in which the stock moves and you are quick enough to trade according to the situation and handle it properly. This method is just like a torch light in a dark cave. <i>All the risk must be borne by you before you implement or use the above method.</i></div>
Somesh Renganathanhttp://www.blogger.com/profile/02237444388087338120noreply@blogger.comtag:blogger.com,1999:blog-8695768261684177122.post-68620657901332050932017-11-11T00:00:00.001+05:302022-06-11T11:09:41.085+05:30What does SEO stand for? What does it mean actually?<div dir="ltr" style="text-align: left;" trbidi="on">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh9LcaIAUZWws7iCySHhQTdQhlmHtWakjsHOizwsetNXE1hFJidywa5FBfvU_jZh9nMhkQZakMdE57EM29Tq6MgrN2fYWODFS96Z0ZD_neZEVeK1PQOYnuNZwF0qo7bxZA6P4h8n_xCYKID/s640/What-does-SEO-stand-for.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="What-does-SEO-stand-for-SEO-means" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh9LcaIAUZWws7iCySHhQTdQhlmHtWakjsHOizwsetNXE1hFJidywa5FBfvU_jZh9nMhkQZakMdE57EM29Tq6MgrN2fYWODFS96Z0ZD_neZEVeK1PQOYnuNZwF0qo7bxZA6P4h8n_xCYKID/s640/What-does-SEO-stand-for.jpg" title="What-does-SEO-stand-for-SEO-means" /></a></div>
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<b>What does SEO stand for?</b> It is one of the most searched query on google when someone created a website for himself or for his/her business and hears that they need to optimize for the search engines in order to get visitors or customers to his/her website. So what does SEO stand for in business? let me explain.<br />
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<h3 style="text-align: left;">
Search Engine Optimization</h3>
<b>SEO</b> stands for <b><u>Search Engine Optimization</u></b>. And the phrase improve your <b>SEO strategy</b> encompasses the actions taken to ensure your website can be found in a <b><u>search engine's results page</u></b> (SERP) when searching for words or phrases relevant to the content on your website.<br />
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Can you understand the above definition for <b>What does SEO mean? </b>Not getting it? Let me explain what is <b>SEO marketing</b> as if I am explaining to my 60 years old father who has not completed his graduation and want to start an Online Business.<br />
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Imagine you run a hotel in a busy street where there are two more hotels are present. You provide very <b>quality</b> food and your service is also good from start to end as a customer gets into the hotel. Now, how do you let others know, I mean, the (unknown) visitors who enter the street in which your hotel is located and drive them into your hotel? Practically, you will <b>advertise</b> your hotel in your surrounding area. They might not know whether you <b>provide quality</b> food or not, your service is up to their <b>satisfaction</b> or not. But, you just let them know that such a hotel is present. Moreover, If your <b>quality and service</b> is also good, then, your customers <b>share</b> to others about your hotel (words of mouth). Thereby, you will gain some <b>authority</b> and you get visitors coming up and also improve your business.<br />
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Now get back, come out of your imagination. The hotel, which is referred above is your <b>business</b>. You have very <b>quality content</b> or service. But how do your potential visitors know that such a website is present and provide service for the same? The answer is nothing but <b>Optimizing your website as per the Search Engines</b>, such as Google, Bing, Yahoo etc.<br />
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Your <b>visitors</b> can mainly <b>reach your business website</b> from Search Engine Result Pages (SERP) only. When your visitors<b> search for a keyword</b>, say about a food item (imagine, you are running a hotel website) on Google, then <b>SEO is</b> nothing but <b>showing your website on the very first position</b> in the search engine results, or at least <b>on the very first page of the Google</b> search engine results.<br />
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<h3 style="text-align: left;">
What are the Qualities of a Good Search Engine Optimized Website? (or) How to make your site liked by the Search Engines?</h3>
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We can broadly classify the SEO as two things. <b>On page SEO</b> and <b>Off page SEO</b>. Let me discuss those things with you.<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhg3VCIuwo5FuzdU0cHBRMaXBv6rYKjxDUMkk1ypltFBwnR3s0ot7z6vYjqb_4ipGURcQiQOu9XUBCQc420K5NgY9Pecs-uRuXbTD6m6bKiMRt6MJKn7jyNb9T40_jddY8vmjQlVMCtswrM/s640/On-page-SEO-Off-page-SEO.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="On-page-SEO-Off-Page-SEO" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhg3VCIuwo5FuzdU0cHBRMaXBv6rYKjxDUMkk1ypltFBwnR3s0ot7z6vYjqb_4ipGURcQiQOu9XUBCQc420K5NgY9Pecs-uRuXbTD6m6bKiMRt6MJKn7jyNb9T40_jddY8vmjQlVMCtswrM/s640/On-page-SEO-Off-page-SEO.jpg" title="On-page-SEO-Off-Page-SEO" /></a></div>
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<h3 style="text-align: left;">
On Page SEO</h3>
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They are the factors which a website posses and if not up to the mark of satisfaction, can be improved easily. So here you go with the On Page SEO factors which affect a website's rank on a search result page.<br />
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<h4 style="text-align: left;">
Checklist for Content</h4>
<ul style="text-align: left;">
<li><b>Quality Content</b>. Your website must have a content, which should posses value to the users, who visit to your website. Without quality content, though you rank on top of Google results, within few days, you might slip from the first position and gradually move on to the next pages of the Google Results.</li>
<li><b>Research</b>. Have you researched the keywords people may use to find your content?</li>
<li><b>Words</b>. Do you use words and phrases you hope they will be found for?</li>
<li><b>Freshness</b>. Are the pages fresh and about "hot" topics? Do you update the old posts regularly?</li>
<li><b>Media Content</b>. Do the webpage posses any other media such as an image, a video, news etc, other than simple text content?</li>
</ul>
<h4 style="text-align: left;">
Checklist for Website Architecture</h4>
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<ul style="text-align: left;">
<li><b>Crawl</b>. Can search engines easily crawl on your web pages?</li>
<li><b>Duplicate</b>. Does your website is able to manage duplicate contents?</li>
<li><b>Mobile</b>. Does your site work well for mobile devices and make use of app indexing?</li>
<li><b>Speed</b>. Does your website load quickly?</li>
<li><b>URL's</b>. Does your URL contain meaningful keywords related to the topic?</li>
<li><b>HTTPS</b>. Does your site use HTTPS to provide secure connection for your visitors?</li>
</ul>
</div>
<h4 style="text-align: left;">
Checklist for HTML</h4>
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<ul style="text-align: left;">
<li><b>Title</b>. Do HTML title tag contain keywords relevant to page topics?</li>
<li><b>Description</b>. Do meta description tags describe what pages are about?</li>
<li><b>Structure</b>. Do pages use structured data to enhance listings?</li>
<li><b>Headers</b>. Do headlines and subheads use header tags with relevant keywords?</li>
<li><b>Stuffing</b>. Do you excessively use words you want to be found for?</li>
<li><b>Hidden</b>. Do colors or design "hide" words you want pages to be found for?</li>
</ul>
<h3 style="text-align: left;">
Off Page SEO</h3>
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So if you are perfect with On page SEO, good! you have almost made your website a perfect one with neat and clean in the eyes of search engines. But, search engines also looks for off page factors which are listed below and discussed.</div>
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<h4>
Website Trust</h4>
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<ul style="text-align: left;">
<li><b>Authority</b>. Do links, shares and other factors make site a trusted authority?</li>
<li><b>Engage</b>. Do visitors spend time reading or "Bounce" away quickly?</li>
<li><b>History</b>. Has site or its domain been around a long time operating in same way?</li>
<li><b>Identity</b>. Does site use means to verify its identity and that of authors?</li>
<li><b>Piracy</b>. Has site been flagged for hosting pirated content?</li>
<li><b>Ads</b>. Is your content ad-heavy especially "above-the-fold"?</li>
</ul>
<h4 style="text-align: left;">
Links</h4>
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<ul style="text-align: left;">
<li><b>Quality</b>. Are links from trusted, quality or respected websites?</li>
<li><b>Text</b>. Do links pointed at pages use words you hope they'll be found for?</li>
<li><b>Number</b>. How many links point at your web pages?</li>
<li><b>Paid</b>. Have your purchased links in hopes of better rankings?</li>
<li><b>Spam</b>. Have you created links by spamming blogs, forums or other places?</li>
</ul>
<h4 style="text-align: left;">
Personal</h4>
</div>
<div>
<ul style="text-align: left;">
<li><b>Country</b>. What country is someone located in?</li>
<li><b>Locality</b>. What city or local area is someone located in?</li>
<li><b>History</b>. Has someone regularly visited your site or socially favored it?</li>
<li><b>Social</b>. Has someone or their friends socially favored the site?</li>
</ul>
<h4 style="text-align: left;">
Social</h4>
</div>
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<ul style="text-align: left;">
<li><b>Reputation</b>. Do those respected on social networks share your content?</li>
<li><b>Shares</b>. How many share your content on social networks?</li>
</ul>
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So <b>What does SEO mean</b> cannot be answered in a single sentence or paragraph. All the above factors work together to make a webpage rank on search engine result pages. So be sure that your webpage fulfills all the checklist mentioned above. Read my other blog posts on SEO to know more on Search Engine Optimization. Comments are welcomed. Please let me know your doubts through comments.</div>
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Somesh Renganathanhttp://www.blogger.com/profile/02237444388087338120noreply@blogger.comtag:blogger.com,1999:blog-8695768261684177122.post-40337529876115552272017-10-20T20:45:00.002+05:302022-10-29T09:35:30.389+05:30Money Management - Let the Money Work for You<div dir="ltr" style="text-align: left;" trbidi="on">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhoKOEnS-sW3sOrmis9KWRfM5Cmhjr-qRuDmtSnu9ZJrzW3PhSwJwtxtTQ4CLRbND3y2yGp9843VjxHusSn6LQejsAduejTiUnJA1hJ9GAyJg8OwZl7FA9FdGU_xeYzP1qY9SwbTJh-evyE/s1600/Money-Management-Make-Money-Work-For-You.webp" style="margin-left: 1em; margin-right: 1em;"><img alt="Money Management - Make Money Work For You" border="0" data-original-height="480" data-original-width="640" height="300" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhoKOEnS-sW3sOrmis9KWRfM5Cmhjr-qRuDmtSnu9ZJrzW3PhSwJwtxtTQ4CLRbND3y2yGp9843VjxHusSn6LQejsAduejTiUnJA1hJ9GAyJg8OwZl7FA9FdGU_xeYzP1qY9SwbTJh-evyE/s400/Money-Management-Make-Money-Work-For-You.webp" title="Money Management - Make Money Work For You" width="400" /></a></div>
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I am a normal guy who works in a IT company. I get my salary on the last working day. As usual, I pay the rent, pay back the loans, spend some for myself, send some money to parents and I did not bother much about the excess money I had in the savings account every month. I just got a notification stating that Rs.308 has been credited as Interest for the savings account I had. I just asked my two roommates about this and it was shocking to know that, one got Rs.54 and another got a little more than Rs.500. When checked, he used to spend less and had more money in his savings account which led to such higher interest.<br />
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I just started thinking thereafter, how can we make money which would provide me a decent income like the above Interest payments. I will be discussing this via the following upcoming series of blogpost.<br />
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My grandmother used to keep all the money in the locker instead of keeping it in the bank. The reason she tells is that, it is easy for her to take money and spend whenever she wanted. She was potentially missing something. Yeah, the interest which she gets every quarter.<br />
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Like my grandmother, there are more people who are not sure on what to do with money, they put in bank fixed deposits and expect a large returns, but finally pay taxes for the interest they get, or invest in share markets without knowing how it works and get lost in it, and some invest in some scam schemes and get lost with all the money.<br />
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The only reason why we hear about such scenarios is Poor Money Management by them.<br />
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We are working very hard to earn money and we don't enjoy with the money we get due to poor management of the money. Once we get to know how to manage the Money, then, with us, money will also start work to reap more money.<br />
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Next Blog Post: Why Is A Savings Bank Account Necessary?<br />
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Please comment if you/your friends had any of such poor money management before which resulted in depreciation of money. </div>
Somesh Renganathanhttp://www.blogger.com/profile/02237444388087338120noreply@blogger.comtag:blogger.com,1999:blog-8695768261684177122.post-87314532830501269262017-08-13T12:28:00.001+05:302022-06-11T11:11:35.338+05:30How To Check Your PAN Card Status? Is It Active or Deactivated?<div dir="ltr" style="text-align: left;" trbidi="on">
Hi everyone. It was shocking for me to know that around <a href="http://economictimes.indiatimes.com/wealth/tax/11-lakh-pan-have-been-deactivated-heres-how-to-check-if-your-pan-is-active-or-not/articleshow/59954223.cms" rel="nofollow" target="_blank">11 lakhs PAN cards has been found duplicate and has been deactivated</a> by the government of India. I just found a way to check if a given PAN card is active or Inactive and confirmed mine. My PAN card is Active. Follow the below steps to confirm your PAN numbers. Also don't forget to help/verify your parents and friends PAN too.<br />
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Steps to Check your PAN Card Status<br />
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<ul style="text-align: left;">
<li>Visit <b>Know Your PAN</b> page of Income Tax E-filing website: <a href="https://incometaxindiaefiling.gov.in/e-Filing/Services/KnowYourPanLinkGS.html" rel="nofollow" target="_blank">Click Here</a></li>
</ul>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgYM4R5ejc3ziuxiNkj1vht5VWYZcZ_Po1Io2UaqQNHvrteHigeuVbaBEAQEFimhkSlvaffwMx9mZnRJEpBe9EoCdzV-JUITaZbRzqN-wcvLoT5oNEDIZ80fEEQbecoxz-VEhxShj2DxM5m/s1600/How-to-check-PAN-card-status-1.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="How to check PAN card status steps" border="0" data-original-height="337" data-original-width="674" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgYM4R5ejc3ziuxiNkj1vht5VWYZcZ_Po1Io2UaqQNHvrteHigeuVbaBEAQEFimhkSlvaffwMx9mZnRJEpBe9EoCdzV-JUITaZbRzqN-wcvLoT5oNEDIZ80fEEQbecoxz-VEhxShj2DxM5m/s1600/How-to-check-PAN-card-status-1.png" title="How to check PAN card status steps" /></a></div>
<ul style="text-align: left;">
<li>Fill all the details you know of which Surname, Status, Date of Birth and Mobile Number (Registered with PAN) are compulsory fields to be filled.</li>
<li>Once you click submit, OTP will be sent to your PAN registered mobile number. Check your mobile for OTP and enter the same and proceed further by clicking <b>Validate</b>.</li>
</ul>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj1Bx6fcVB0v30onoxUmfR8I4gWHzxxLyOEFswdqFJuYFjhA0jdaAInv5_aYyjrXGqlSNaGd3BCMltnT3HCnU-35zdMG1SSBEQJh9lsGtriQnZxNr2ai3XvFr3u4t7p01bUCowLvGTtxDs4/s1600/How-to-check-PAN-card-status-2.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="How to check PAN card status steps" border="0" data-original-height="183" data-original-width="636" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj1Bx6fcVB0v30onoxUmfR8I4gWHzxxLyOEFswdqFJuYFjhA0jdaAInv5_aYyjrXGqlSNaGd3BCMltnT3HCnU-35zdMG1SSBEQJh9lsGtriQnZxNr2ai3XvFr3u4t7p01bUCowLvGTtxDs4/s1600/How-to-check-PAN-card-status-2.png" title="How to check PAN card status steps" /></a></div>
<ul style="text-align: left;">
<li>A resultant page will be showing the details of your PAN Number, Surname, First Name, Jurisdiction and Remarks of which you can find your status as mentioned in the Remarks as either Active or Deactivated.</li>
</ul>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj3-6oOZQsvuuBVSdjA2OobShxeuHpvwgF2rn4ZeZbx4aZG0x67v2Fd6dnnK9ueZS-ZFMMnBepiKtYgU0Hqcn9waDTlFAY2EA1zhcKdDHlxI44MrrotRwf0W36ylc9lx4CZM_RYH05oR-Xu/s1600/How-to-check-PAN-card-status-3.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="How to check PAN card status steps" border="0" data-original-height="163" data-original-width="988" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj3-6oOZQsvuuBVSdjA2OobShxeuHpvwgF2rn4ZeZbx4aZG0x67v2Fd6dnnK9ueZS-ZFMMnBepiKtYgU0Hqcn9waDTlFAY2EA1zhcKdDHlxI44MrrotRwf0W36ylc9lx4CZM_RYH05oR-Xu/s1600/How-to-check-PAN-card-status-3.png" title="How to check PAN card status steps" /></a></div>
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Hope your PAN card is Active. Don't forget to help others by sharing this post with your friends. Keep following for more useful posts.</div>
</div>
Somesh Renganathanhttp://www.blogger.com/profile/02237444388087338120noreply@blogger.comChennai, Tamil Nadu, India13.0826802 80.27071840000007812.5876862 79.625271400000074 13.5776742 80.916165400000082tag:blogger.com,1999:blog-8695768261684177122.post-70778728156845597112017-01-10T10:03:00.001+05:302022-01-29T11:49:31.082+05:305 Mistakes You Must Avoid While Using Your Credit Card<div dir="ltr" style="text-align: left;" trbidi="on">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgoCffK-w5OVeDAJUcOH9vCjp685apvQnzm5WF4N2OgQzioaTMbK0rdDZ1HVQ3rxncdl4kIswMDgZGqjgAp3x8eFkEsR7kcxNndmvkf77IqMLbIGNTajZncT9Fnn0axd4DmGCOqiyFKBXaY/s640/5-Mistakes-You-Must-Avoid-While-Using-Your-Credit-Card.jpg" style="margin-left: 1em; margin-right: 1em;"><img alt="5 Mistakes You Must Avoid While Using Your Credit Card" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgoCffK-w5OVeDAJUcOH9vCjp685apvQnzm5WF4N2OgQzioaTMbK0rdDZ1HVQ3rxncdl4kIswMDgZGqjgAp3x8eFkEsR7kcxNndmvkf77IqMLbIGNTajZncT9Fnn0axd4DmGCOqiyFKBXaY/s640/5-Mistakes-You-Must-Avoid-While-Using-Your-Credit-Card.jpg" title="5 Mistakes You Must Avoid While Using Your Credit Card" /></a></div>
<div style="text-align: center;">
<br /></div>
I hope you have a credit card for sure. Many banks are providing free credit cards.<br />
<br />
You know one thing, the usage of credit cards has increased up to 50% in the last five years. There are 2.64 crores credit cards are in usage currently. After this demonetization in India, the usage of credit cards has also increased slightly.<br />
<br />
Though many of you have debit cards, we tend to use credit cards along with them without knowing the mistakes we commit when using them.<br />
<br />
<h2 style="text-align: left;">
One and Only Credit Card</h2>
Credit card is only for very emergency purposes. Generally, for various shopping activities, your Debit Card is enough. You can have one or two credit cards along with your debit card, but not more than that.You must remember that you have to pay your dues on credit card within a specific time.<br />
<br />
If you want your family members to use your credit card, it is better to get Add-on card for your credit card rather than getting another credit card. Think well!<br />
<br />
<b><u>Also Read</u>:</b> <a href="https://www.someshr.com/2016/12/Will-Provident-Fund-Help-After-Retirement.html" target="_blank">A Case Study: Will Provident Fund enough for your Retirement Needs?</a><br />
<br />
<h2 style="text-align: left;">
The Credit Limit</h2>
You should have certain rules while using your credit card. You should not get addicted to the 50 days credit limit, reward points, cashback offers and other benefits of using your credit card.<br />
<br />
The very important thing in credit card is the credit which they give you to spend. It is around 2 lakhs to 3 lakhs for professionals. It is advised to have only the balance money you have after spending for a month as credit limit. For example, if your salary is Rs.25,000 per month and you have Rs.5,000 saved after all expenses, then the optimal credit limit for your card is Rs.20,000. If you have very high credit limits, then you need to spend carefully.<br />
<br />
<h2 style="text-align: left;">
Linking Your Credit Card</h2>
Don't link your credit card with any of the online services or wallets. Because, when you spend via debit cards, you know how much money you have in balance. But when you spend through credit cards, you don't know.<br />
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If you have more credit limit, due to your interest in shopping, you will spend more money unknowingly. Later you will fall in the trap of liabilities.<br />
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If you want to link, then link your debit cards. So that you will be cautious on how much money will be deducted and how much you have to spend after that.<br />
<br />
<h2 style="text-align: left;">
Using Credit Card at ATM's</h2>
Do you know one thing? The debt interest and the service charges for credit cards is higher if you use it to withdraw money from ATM than using it to purchase things.<br />
<br />
Don't use your credit card to withdraw money from ATM. Even if you do so, repay it within the 50 days time gap. If you fail to do so, you would end up paying extra fine and high interests for that withdrawn money.<br />
<br />
<h2>
Say NO to EMI</h2>
Most credit cards offers to convert the debts into easy EMI's if you spend more than Rs.2,000. But it is a very wrong move. Because, when you buy 3 things, say, for Rs.5,000, Rs,6000 and Rs.7,000, you can still convert these three spendings into easy EMI's of 3,6,9,12,24 months. What happens here is, you tend to choose the highest month EMI (like 24 months) as you will be paying very low EMI every month. But, you will end up paying only EMI's every month and you can't come out of your debt. It's advised to choose the lowest monthly EMI or the best option is to avoid EMI.<br />
<br />
<h2 style="text-align: left;">
Conclusion</h2>
Having a credit card or not using a credit card is a decision which you must take. Use wisely knowing the risks of using credit card, so that you don't fall in the trap of debt.</div>
Somesh Renganathanhttp://www.blogger.com/profile/02237444388087338120noreply@blogger.comtag:blogger.com,1999:blog-8695768261684177122.post-43371061445574810062016-12-27T10:14:00.003+05:302022-10-29T09:35:51.507+05:30Will Provident Fund Help Your Needs Post Retirement?<div dir="ltr" style="text-align: left;" trbidi="on">
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjXjNljg-6YpsE77SnC0DAln_Mq8BTwBpn3oG_JzjtZF9Kq3KXz4pLB7g7yv9L0pYiK6jb5Sx945I8L09k6XvsaTpSCXlh7k0GhfH7rtMm4d_8EHM-sjdHlMfZFB-mBzOHoqDJ3UeFuE65a/s1600/Will-Provident-Fund-Help-Your-Needs-Post-Retirement.webp" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Will Provident Fund Help Your Needs Post Retirement?" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjXjNljg-6YpsE77SnC0DAln_Mq8BTwBpn3oG_JzjtZF9Kq3KXz4pLB7g7yv9L0pYiK6jb5Sx945I8L09k6XvsaTpSCXlh7k0GhfH7rtMm4d_8EHM-sjdHlMfZFB-mBzOHoqDJ3UeFuE65a/s1600/Will-Provident-Fund-Help-Your-Needs-Post-Retirement.webp" title="Will Provident Fund Help Your Needs Post Retirement?" /></a></div>
<div style="text-align: center;">
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We start earning at the beginning of our 20's and spend a part of it for our current needs. Some amount of money will be invested or move it into savings account. For savings or investing the money, we have many options in today's world. The one who is in a permanent job mainly chose to have faith on Provident Fund only.<br />
<br />
In the financial year 2015-2016, PF gave interest at the rate of 8.8%. In the current financial year, it is expected that the interest rate for PF will decrease. For the upcoming years also, it is expected that the interest rate for PF will gradually decrease.<br />
<br />
In current scenario, even if a person earns Rs.25,000 or Rs.30,000 per month, his/her basic salary will be very less. From the basic salary, 12% will be contributed by the employee and 12% will be contributed by the company towards provident fund. Generally, provident fund is contributed for up to a basic pay of Rs.15,000 only. For basic pay which are greater than Rs.15,000, provident fund is not taken. So, even if you earn Rs.1 lakh, Rs.1,800 + Rs.1,800 (Rs.3,600) only will be contributed towards provident fund. And also, employees can voluntarily contribute towards provident fund (Voluntary Provident Fund).<br />
<br />
Even though, if you do not take money from your provident fund (like for marriages, school fees and other emergency needs), the amount which you get at your retirement is very low only.<br />
<br />
<h3 style="text-align: left;">
Practical Case Study</h3>
Let us assume that your age is 28. Your retirement age is 58. Therefore you have 30 years for your retirement. And you save Rs.3,600 in your provident fund. It gives an interest rate of 8.8% per year. Thus, your maturity money from your provident fund at the time of retirement will be Rs.56.73 lakhs. Look at the table below for your understanding.<br />
<table border="1">
<tbody>
<tr>
<th>Investment Type</th>
<th>Expected per Annum Income</th>
<th>Monthly Savings in Rs</th>
<th>Maturity Amount after 30 yrs</th>
</tr>
<tr>
<td><b>PF/VPF/PPF</b></td>
<td>8.80%</td>
<td>Rs.3,600</td>
<td>Rs.56,73,154</td>
</tr>
<tr>
<td><b>Equity Mutual Funds</b></td>
<td>12.00%</td>
<td>Rs.3,600</td>
<td>Rs.1,04,25542</td>
</tr>
</tbody></table>
If you make the same investment amount in Equity mutual funds, then you could see that the annual income is 12.00% (even higher returns are also possible). You will get approximately 84% more returns from your equity mutual funds.<br />
After seeing the above table, you could ask "So no need to invest in provident funds?". The answer to this question is "Don't invest more money on your provident funds". There is no doubt that provident fund is a more secured investment type. This type of investment should be made by everyone. Invest the money in provident fund which your company fixes as maximum match amount. But, investing your surplus money (not urgently needed) in equity mutual funds is the correct. Look at the another scenario (case study) how you could do it.<br />
<br />
Taking a case study of a model family in which the familyman's age is 30. First child's age is 2. The needs of family, how to invest money is described through table 2. This must give you an idea on how to make investment plans for a normal family.<br />
<table border="1">
<tbody>
<tr>
<th>Need for Investment</th>
<th>Money Needed at Present</th>
<th>Years in Hand</th>
<th>Money needed after yrs (column 3) incl. 6% inflation</th>
<th>Monthly Investment PF/VPF/PPF (8.8% returns)</th>
<th>Monthly Investment in Mutual Funds (12% returns)</th>
</tr>
<tr>
<td><b>College Fees</b></td>
<td>Rs.10 Lakhs</td>
<td>15</td>
<td>Rs.24 Lakhs</td>
<td>Rs.6,911</td>
<td>Rs.5,358</td>
</tr>
<tr>
<td><b>Marriage</b></td>
<td>Rs.15 Lakhs</td>
<td>23</td>
<td>Rs.57.5 Lakhs</td>
<td>Rs.7,053</td>
<td>Rs.4,565</td>
</tr>
<tr>
<td><b>Monthly Pension</b></td>
<td>Rs.20,000</td>
<td>28</td>
<td>Rs.1.02 Crores</td>
<td>Rs.13,377</td>
<td>Rs.7,659</td>
</tr>
</tbody></table>
Some employees take out the money in provident funds for buying new houses or flats. We can't say that it is wrong. Actually, you will get two advantages for Purchasing houses or flats through provident funds. The first advantage is that you will get a house or flat for residing, through which the money spent on house rent will be saved. The next advantage is that you will have your own house at the time of your retirement.<br />
<br />
At the same time, the very important thing to note is that, you could invest the saved rent amount (or money greater than that) can be invested in provident fund or voluntary provident fund. Thus you will get more matured money at the time of your retirement.<br />
<br />
<h3 style="text-align: left;">
Conclusion</h3>
Though Provident Fund, Voluntary Provident Fund and Public Provident Funds are more secured way of investment types, they give very less returns on long term. Therefore, young investors should invest less money on the above investment types and more money should be invested on Equity Mutual Funds. Those who need money in emergencies and those who are nearing their retirement should invest more money towards PF/VPF/PPF and less money on equity mutual funds.</div>
Somesh Renganathanhttp://www.blogger.com/profile/02237444388087338120noreply@blogger.comtag:blogger.com,1999:blog-8695768261684177122.post-22301428976797270212016-07-31T10:30:00.003+05:302022-06-11T11:07:26.613+05:30Content Marketing – Digital Advertising Evolution for the Next Decade<div dir="ltr" style="text-align: left;" trbidi="on">
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Content marketing has existed in one form or another for ages. In recent years, it has achieved an even stronger presence in every brand’s overall marketing strategy. Traditional advertising tactics have become insufficient with buyers relying more on online reviews, articles and blogs for product information. The industry has caught up with the shift in buyer preferences and online marketers are churning out content at an ever faster pace to meet the prospective customer’s insatiable thirst for knowledge.<br />
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On the other hand, not all organizations are experiencing the desired results despite their heavy investment in content marketing. The truth of the matter is that quantity does not equal quality. You need good, relevant content that carries value and truly embodies the company’s essence, in order to draw-in new buyers and retain the existing ones.<br />
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However, in today’s saturated market, simple content marketing practices just won’t cut the bill. Merely producing new content and posting it is not perceived enough to get plentiful views and attract prospective customers. It’s time to adopt a new approach content marketing by reworking on its fundamental principles to better suit your marketing needs.<br />
<br />
<h2 style="text-align: left;">
Step 1: Get to Know Your Audience</h2>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhuhnsWAJWSopZyKRQCmOGOOl3XeTCTtR2RfaNbuPPg43vtvdEDi5Is472SJL_uT8MHMneQO7b86iUacxQ3BxHy4IxSQC0K9acAP4XXta4pWE0pGm05jZm1BjqTOoxJEnzJec3XvoU0hVoe/s1600/Get-to-Know-Your-Audience.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Get to Know Your Audience" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhuhnsWAJWSopZyKRQCmOGOOl3XeTCTtR2RfaNbuPPg43vtvdEDi5Is472SJL_uT8MHMneQO7b86iUacxQ3BxHy4IxSQC0K9acAP4XXta4pWE0pGm05jZm1BjqTOoxJEnzJec3XvoU0hVoe/s1600/Get-to-Know-Your-Audience.jpg" title="Get to Know Your Audience" /></a></div>
<div style="text-align: center;">
<br /></div>
Content marketing strategies are more focused towards content value than products or services being offered by the corporation. So knowing your audience can become the key to leading a successful campaign. Hold one-to-one interviews, focus groups, surveys, questionnaires and online forums – or reach out to people with customer-facing roles within your company to organize a thorough research. These activities can help get answers that may enable you to narrow down your group of audience. Try to get answers to the following questions:<br />
<br />
<ul style="text-align: left;">
<li>Who are your current customers and what is their motivation behind the purchase? Are they satisfied?</li>
<li>Why your product/service has no value for non-buyers?</li>
<li>How does your image stand against your competition?</li>
<li>What are the different characteristics or features of your product/service? Is there room for improvement?</li>
<li>What is your selling point and how can you bring it into focus?</li>
</ul>
<div>
Your research should comprise of both – qualitative and quantitative data.<br />
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<h2 style="text-align: left;">
Step 2: Give an Identity to Your Audience</h2>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjrHiYwHfZPXJAeNlO4D6gbOvmSU3fehqFMyeC3YPTpQoj4csXwt7KBErfvvUxy3d8Hy_1KW3SbZcBiawoLOuDWwXUMB5yme1qV8KdDspH4hOfI6sJYiEKYRb7eKxKH3GQ7ESw-dDqn36hyphenhyphen/s1600/Give-Identity-to-Your-Audience.png" imageanchor="1"><img alt="Give-an-Identity-to-Your-Audience" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjrHiYwHfZPXJAeNlO4D6gbOvmSU3fehqFMyeC3YPTpQoj4csXwt7KBErfvvUxy3d8Hy_1KW3SbZcBiawoLOuDWwXUMB5yme1qV8KdDspH4hOfI6sJYiEKYRb7eKxKH3GQ7ESw-dDqn36hyphenhyphen/s1600/Give-Identity-to-Your-Audience.png" title="Give-an-Identity-to-Your-Audience" /></a></div>
<div style="text-align: center;">
<br /></div>
What is the nature of your audience? Piece together similar characteristics from your research to give a face to your ideal target audience. This will help to give your thoughts a concrete foundation and make it easier for you to recognize the needs of your clients.<br />
<br />
<h2 style="text-align: left;">
Step 3: What is the Purpose and Worth of Your Content</h2>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhz0QIx3XjBB1xBSf5AuKnXuFyfZ2uq_DMtVzp-xDcsvgvXWX54FAUP-ms97M1hj0c_isf-G0UsjaGYkZdVrnhf_aw-VGZFrh1FHpJgPjN2EhsciGnROcuau8k8N6rin3oUN-KM7jKqN3Hu/s1600/Purpose-and-worth-of-your-content.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Purpose and Worth of Your Content" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhz0QIx3XjBB1xBSf5AuKnXuFyfZ2uq_DMtVzp-xDcsvgvXWX54FAUP-ms97M1hj0c_isf-G0UsjaGYkZdVrnhf_aw-VGZFrh1FHpJgPjN2EhsciGnROcuau8k8N6rin3oUN-KM7jKqN3Hu/s1600/Purpose-and-worth-of-your-content.png" title="Purpose and Worth of Your Content" /></a></div>
<div style="text-align: center;">
<br /></div>
It is vital that you have a documented strategy in place so that your marketing team has a clear sense of the tone/message of the content. Also, establish a list of fundamental objectives of your campaign that could signal its success. <a href="http://marketingwind.com/" target="_blank">Marketing Wind</a> is an exceptional website with highly comprehensive content marketing services that can assist you in strategy building and implementation.<br />
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<h2 style="text-align: left;">
Step 4: Circulation of Content</h2>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiV2zdfVvJPC-lvdFXPVB9jdqHan8XHldNTkbWjEnlHhuDL3TR40JnsJ48qnyv_ZU2s9IietzFVIMOCc1MsDrp4fXmvIs1Vzfh5ZCjhfw6_-eKIBMT-UxgRnRxXOnFpxMVp6vozZbEYgeJ5/s1600/Circulation-of-content.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Circulation of Content" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiV2zdfVvJPC-lvdFXPVB9jdqHan8XHldNTkbWjEnlHhuDL3TR40JnsJ48qnyv_ZU2s9IietzFVIMOCc1MsDrp4fXmvIs1Vzfh5ZCjhfw6_-eKIBMT-UxgRnRxXOnFpxMVp6vozZbEYgeJ5/s1600/Circulation-of-content.png" title="Circulation of Content" /></a></div>
<div style="text-align: center;">
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You are less likely to lose existing members of your audience if maintain a stable stream of fresh content ideas and have a fixed schedule for your posts. Finding the right mix of content that is agreeable to your audience can be a lengthy process. But keep notes on what kind of themes are bringing in more audience and work along those guidelines.<br />
<br />
<h2 style="text-align: left;">
Step 5: Systematic Layout of Content</h2>
Visualize arrangement of content on your page according to the latest trends, the nature of the content and the freshness of the post. For instance, you can designate the shorter and simpler (but still engaging) content for the first few pages of your site. Save the time consuming and more complex reads for the end pages.<br />
<br />
<h2 style="text-align: left;">
Conclusion</h2>
These essential guidelines could set you off on the right track to breathe new life into your campaign. It while render your content more accountable and giving it the right features for revenue generation – i.e. promoting your product/service through content value and educating the target audience.<br />
<br />
This post was contributed by Komal Parveen, CEO of <a href="http://marketingwind.com/" target="_blank">Marketing Wind</a> and is an experienced SEO Outreach expert and advertisement specialist. Her interests lie in Digital Marketing Management. She is an internet marketing enthusiast and her specialty is in search engine optimization outreach and content marketing.</div>
</div>
Somesh Renganathanhttp://www.blogger.com/profile/02237444388087338120noreply@blogger.comtag:blogger.com,1999:blog-8695768261684177122.post-23122134476406199052016-07-15T07:32:00.002+05:302022-06-11T11:05:17.102+05:30Apple iPhone 7: Facts, Figures and More<div dir="ltr" style="text-align: left;" trbidi="on">
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhCjbWP5jC9cz0dX18RAVr8pzhxjFFgmdMyi39So3LM2diHBNgWs4YUmd2RPHm2B4JTC2kDV1_Lj4QAb0YSL70RnF63UNVHHbtEAVLU04NP828KlD47VQkY1QK4a59opjKA-D5UP8JSkBJE/s1600/Apple-iPhone-7-Updates-Rumors.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Apple iPhone 7 Specification Rumors" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhCjbWP5jC9cz0dX18RAVr8pzhxjFFgmdMyi39So3LM2diHBNgWs4YUmd2RPHm2B4JTC2kDV1_Lj4QAb0YSL70RnF63UNVHHbtEAVLU04NP828KlD47VQkY1QK4a59opjKA-D5UP8JSkBJE/s1600/Apple-iPhone-7-Updates-Rumors.png" title="Apple iPhone 7 Specification Rumors" /></a></div>
<div style="text-align: center;">
<br /></div>
When people are waiting with bated breath for the release of <a href="http://iphone7update.com/" target="_blank">iPhone 7</a>, it falls upon us to serve them with the latest news and gossip on their favorite topic. Apple has been launching our favorite phones for 10 years now. This is time for the launch of iPhone 7. 2016 will bring the Apple fanatics their dream phone with a lot of new features. But instead of staying home speculating about the features, let us take a dive into the world of reality. A number of leaked reports and pictures give us a comprehensive view of the latest upcoming iPhone.<br />
<br />
<h2 style="text-align: left;">
More on Looks</h2>
When we are speaking about an iPhone in 2016, it is taken for granted that it will be water-proof and will come with at least a protective shielding which will render it scratch-proof as well. Now the question comes to the screen dimensions and specifics. While there are not much reported changes to the dimensions of the phone, the screen will be edgeless just as seen in the Galaxy Edge models. The curved, edgeless display with higher pixel density will make Apple a strong contender in the high res display game. The ‘Home’ button will be capacitive for the first time, allowing a seamless extension of the capacitive touchscreen.<br />
<br />
<h2 style="text-align: left;">
What will run iPhone 7?</h2>
Apple is launching its iOS 10 with the iPhone 7. The iOS 10 is the newest generation of operating software which will run the upcoming model. Proposed processor includes the A10 chipset. This is reportedly one of the fastest and smoothest operating chipsets in the world. Although not much in known about its exact speed. The iOS 10 and A10 can both support the newer versions of the Apple’s answering system or Siri, which we all agree could do with some improvements.<br />
<br />
<h2 style="text-align: left;">
New and Borrowed</h2>
The leaked images further show that the iPhone 7 will feature a dual lens camera. This is not just an inspiration from LG but this is also going to be borrowed from LG. this kind of technology has already been seen in LG G5, which ensures better stability and better quality of pictures. In addition to that, there is the inclusion of a smart notification system in cooperation with the rear LED flash.<br />
<br />
<h2 style="text-align: left;">
Smart Inclusions</h2>
Good news is, Apple might just be rethinking their stance with the 3.5 mm headphone ports. Recent images show the inclusion of the ports, but the exclusion of any rear antenna. Some sources are also speaking about the inclusion of Smart Connectors which will allow your iPhone to universally connect to multiple devices including Bluetooth speakers, headsets, keyboards and much more.<br />
<br />
<h2 style="text-align: left;">
It's Time to be Wooed</h2>
Anyway, it is time for a sneak peek at the hardware of the upcoming iPhone. This means it is time to be wooed. Now beside the A10 chipset and the iOS 10 there are quite a few surprised Apple may be packing this time. iPhone 7 will be launching with multiple internal memory variants ranging from 16 GB to 64 GB, if not more. The inclusion of MicroSD card ports is still not a certainty. This means, every iPhone has the potential to expand up to 128 GB upon the inclusion of an external memory card slot. Also, rumors are, one might just experience a dual SIM connectivity this time with the basic iPhone 7 models.<br />
<br />
<h2 style="text-align: left;">
Wait a Second!</h2>
Get ready to experience the new generation of iPhones this September i.e. <a href="http://iphone8guides.com/" target="_blank">iPhone 8</a>. If you are one of the Apple patrons then you might as well start checking your feed for the opening of the pre-booking sessions. But make sure, you are well loaded since the iPhone 7 will be priced north of $800 USD for sure!</div>
Somesh Renganathanhttp://www.blogger.com/profile/02237444388087338120noreply@blogger.comtag:blogger.com,1999:blog-8695768261684177122.post-68928438939291177952016-07-12T12:27:00.000+05:302016-07-15T07:56:23.563+05:30Samsung about to announce Galaxy Note 7 with iRiS scanner and 6 GB RAM<div dir="ltr" style="text-align: left;" trbidi="on">
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgacnxsqbf1Yg6LNpwisXT8kBnOBa-JmbwNLd57FE5yL2-EHje2weHTPlu5e61xt-ecEdtx0RHEMgAeLl_NNeVBANZizAYiaYpNgnifuX7zD0_sVFzPqWYPpAXyE0HuhvPlNYR2_vvO0EXR/s1600/Samsung-Galaxy-Note-7-iris-scanner-6-GB-RAM.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Samsung Galaxy Note 7 with iris Scanner and 6 GB RAM" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgacnxsqbf1Yg6LNpwisXT8kBnOBa-JmbwNLd57FE5yL2-EHje2weHTPlu5e61xt-ecEdtx0RHEMgAeLl_NNeVBANZizAYiaYpNgnifuX7zD0_sVFzPqWYPpAXyE0HuhvPlNYR2_vvO0EXR/s1600/Samsung-Galaxy-Note-7-iris-scanner-6-GB-RAM.jpg" title="Samsung Galaxy Note 7 with iris Scanner and 6 GB RAM" /></a></div>
<div style="text-align: center;">
<br /></div>
In the recent times, we have seen many smartphones which carry one particular perspective. Some have great camera capabilities, others have great performance but until now, there hasn’t been one smartphone which have enabled us to do everything from shooting videos to playing games. This is when the Samsung Galaxy Note series comes into focus. Samsung launched the first ever Note phone back in 2011 and since then it has become one of the most desired phones. Samsung is planning to do the same thing yet again as it is ready to unveil the next flagship smartphone from their factory.<br />
<br />
<h2 style="text-align: left;">
Samsung will announce the Note 7 soon and these are the things that the Note 7 is rumored to feature: </h2>
<h2 style="text-align: left;">
Processor: Snapdragon 823</h2>
You might question the capabilities of the Snapdragon 823 chipset as it is never used in any smartphone till now. But, you don’t have to worry because it is the successor of the Snapdragon 820 which is being used in many flagship smartphones like Samsung Galaxy S7, OnePlus 3 and many more.<br />
<br />
<h2 style="text-align: left;">
RAM: 6 GB</h2>
Having a great processor doesn’t solve the problems and Samsung know that very well and this is the main reason behind including a 6 GB RAM which is huge obviously but so is the <a href="http://galaxynote7update.com/" target="_blank">Galaxy Note 7</a>. Samsung claims that you can have more than 12 applications in its memory so the next time you switch applications; it starts from where you left it.<br />
<br />
<h2 style="text-align: left;">
Display: 5.8 Inch Super AMOLED (4K Resolution)</h2>
Display of the Samsung devices is also one of the best in the market and this time it is no exception as Samsung will be fitting in a 5.8 inch AMOLED display with 4K resolution. This display will be even sharper than the current <a href="http://galaxys8updates.com/" target="_blank">Galaxy S8</a> and S7 EDGE.<br />
<br />
<h2 style="text-align: left;">
Battery: 4,000 Mah with QuickCharge 3.0 </h2>
To power all this hardware, Samsung has decided to fit in a 4,000 Mah battery which will easily give you backup of more than a day. if you still aren’t convinced by the battery, then its fast charging capability will definitely make you fall for the phone. Samsung has developed QuickCharge 3.0 which will shoot up your device from naught to 50 in only 30 minutes.<br />
<br />
<h2 style="text-align: left;">
Security: Fingerprint scanner and iRiS scanner</h2>
If you thought that the introduction of the fingerprint scanner in smartphones was a great achievement, then you are definitely going to get bonkers over Note 7 as Samsung has added an iRiS scanner which doesn’t scan your fingers to unlock the device but it scans your retina to do the same. Samsung Galaxy Note 7 will be the first smartphone to feature an iRiS scanner which makes it even special and a must have smartphone of the year.</div>
Somesh Renganathanhttp://www.blogger.com/profile/02237444388087338120noreply@blogger.comtag:blogger.com,1999:blog-8695768261684177122.post-31613668887556493912016-01-03T19:00:00.003+05:302022-06-11T11:13:15.599+05:30How To Create Simple HTML Sitemap Page in Blogger<div dir="ltr" style="text-align: left;" trbidi="on">
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjp5OIhmKVKIEjQZ_rakW6tbgVXFtPv3V7UqF1x8QBLcUm1vD0TY6EUfBSnl73gaXiN-yZrcONsBLk_5ne5TPBgVqF6uLrvDHNXUswVPpYfYMxb2wLyRI3JiI-O-5KUxg2TpFAFbTB8dV2j/s640/create-blogger-HTML-sitemap-step-4.png" style="margin-left: 1em; margin-right: 1em;"><img alt="How-to-Create-HTML-Sitemap-Page-for-Blogger-Blogspot-Blogs" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjp5OIhmKVKIEjQZ_rakW6tbgVXFtPv3V7UqF1x8QBLcUm1vD0TY6EUfBSnl73gaXiN-yZrcONsBLk_5ne5TPBgVqF6uLrvDHNXUswVPpYfYMxb2wLyRI3JiI-O-5KUxg2TpFAFbTB8dV2j/s640/create-blogger-HTML-sitemap-step-4.png" title="How-to-Create-HTML-Sitemap-Page-for-Blogger-Blogspot-Blogs" /></a></div>
Sitemap - It just tells search engine crawlers about all the posts in your blog. But wait. If you have a doubt like, <b>How to show all the posts published on my blog to my visitors?</b> this blog post will resolve your problem.<br />
So, you could see all the posts published on your blog on your blogger dashboard. What if, if you wish to show all the posts published on your blog to your readers, valuable visitors or your subscribers? You could have read about <b>how to submit XML sitemap to Google Search Console</b>. But that sitemap is for those crawlers to update about your blog on search engines. Here, I will guide you to make a simple sitemap page (a HTML page) for your blogger blog, which lists all your published posts according to your Labels.<br />
<b>DEMO:</b> <a href="https://www.someshr.com/p/sitemap.html" target="_blank">https://www.someshr.com/p/sitemap.html</a><br />
<br />
<h3 style="text-align: left;">
Steps for creating a HTML Sitemap Page for a Blogger Blog</h3>
<ul style="text-align: left;">
<li>Log In to your Blogger Dashboard of the blog for which you need to create sitemap page.</li>
</ul>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjZ7tuZTMW_DGYrb4PqL46n5wrGk4DlRjwdceHJg47uFpwhCQzdrMgETZRMd5QKqVLqiuGIu-r8En4O606yIUCCTEOYmlLlN4AHgDnXqMzIermaniT9Iqd2iqZdk8Vxs_S2ZMKNAsUu6q5S/s640/create-blogger-HTML-sitemap-step-1.png" style="margin-left: 1em; margin-right: 1em;"><img alt="Create-HTML-Sitemap-Page-in-Blogger-Step-1" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjZ7tuZTMW_DGYrb4PqL46n5wrGk4DlRjwdceHJg47uFpwhCQzdrMgETZRMd5QKqVLqiuGIu-r8En4O606yIUCCTEOYmlLlN4AHgDnXqMzIermaniT9Iqd2iqZdk8Vxs_S2ZMKNAsUu6q5S/s640/create-blogger-HTML-sitemap-step-1.png" title="Create-HTML-Sitemap-Page-in-Blogger-Step-1" /></a></div>
<ul style="text-align: left;">
<li>Click Pages tab from the sidebar menu and click New page to open up a blank page, which we use to create a HTML sitemap for your Blogger blog.</li>
</ul>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhFnpnKqv3yz3lMNPMgFiMejH6lRLXZqyyLwNFnEyuuYfY-Os_b_UStK9JcDl_WNHu89DeLwA1y7AFEMdM4IODdm3oAO2l1SHo9Ux6tBSIGKDVgk0LOBZa-MYETia20wwN5aQ5PEEZm6In0/s640/create-blogger-HTML-sitemap-step-2.png" style="margin-left: 1em; margin-right: 1em;"><img alt="Create-HTML-Sitemap-Page-in-Blogger-Step-2" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhFnpnKqv3yz3lMNPMgFiMejH6lRLXZqyyLwNFnEyuuYfY-Os_b_UStK9JcDl_WNHu89DeLwA1y7AFEMdM4IODdm3oAO2l1SHo9Ux6tBSIGKDVgk0LOBZa-MYETia20wwN5aQ5PEEZm6In0/s640/create-blogger-HTML-sitemap-step-2.png" title="Create-HTML-Sitemap-Page-in-Blogger-Step-2" /></a></div>
<ul style="text-align: left;">
<li>On the Page Title, Just name it as <b>Sitemap</b> which would make you a page like website.com/p/sitemap.html. One important step is, click on the Options on right side of the page and select Do not allow Comments option (It looks like a professional sitemap page if comments are disabled).</li>
</ul>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiIUFfWaTKBdmmLeIZVJkctCAPWnM_ZO8TNrvoq1BcCFm6KG7SDM4gWsC5xy9TdW68VlDKNyjqqYLTcY7edSy-eB2tZobzGKDULWd84aLAQktL21u0nwXQdIBkzawCY05r8cvBqCgYBiHCm/s640/create-blogger-HTML-sitemap-step-3.png" style="margin-left: 1em; margin-right: 1em;"><img alt="Create-HTML-Sitemap-Page-in-Blogger-Step-3" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiIUFfWaTKBdmmLeIZVJkctCAPWnM_ZO8TNrvoq1BcCFm6KG7SDM4gWsC5xy9TdW68VlDKNyjqqYLTcY7edSy-eB2tZobzGKDULWd84aLAQktL21u0nwXQdIBkzawCY05r8cvBqCgYBiHCm/s640/create-blogger-HTML-sitemap-step-3.png" title="Create-HTML-Sitemap-Page-in-Blogger-Step-3" /></a></div>
<ul style="text-align: left;">
<li>Click on <b>HTML</b> Editor (by default, it would be on <b>Compose</b> mode) and remove all the codes if present. After that, paste the below piece of code as such and replace it with your website address instead of www.someshr.com which you can find at the last lines of code.</li>
</ul>
<div>
<blockquote class="tr_bq">
<style><br />
p.labels a{color: #242424; text-transform: uppercase;font-size: 15px;}<br />
a.post-titles {color: #0000FF;}<br />
ol li{list-style-type:decimal;line-height:25px;}<br />
</style><br />
<script><br />
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//]]><br />
</script><br />
<script src="https://www.someshr.com/feeds/posts/default?max-results=9999&amp;alt=json-in-script&amp;callback=bloggersitemap"></script></blockquote>
</div>
<div>
<ul style="text-align: left;">
<li>That's it. After replacing it with your blog address, hit Publish. </li>
<li>You could View your Sitemap page after publishing and use the URL of your HTML Sitemap page on your blog's top menu-bar for easy navigation for your blog visitors.</li>
</ul>
<h4 style="text-align: left;">
Advanced Customization</h4>
</div>
<div>
By default, after publishing sitemap, the labels show in RED color and the post titles in GREEN color.</div>
<div>
<ul style="text-align: left;">
<li>If you want to change the color of Labels, then, replace <b>#242424</b> with the color code which you want to show as per your template design.</li>
<li>If you want to change the color of post titles in the sitemap, replace <b>#0000FF</b> with the color code which you want to show as per your template design.</li>
</ul>
</div>
<div>
The Index of the posts are arranged alphabetically and the new posts get updated automatically to the sitemap as it gets published on your blog.<br />
<div class="youtube-container">
<div class="youtube-player" data-id="5xIja12wqOw">
</div>
</div>
</div>
<div>
<br /></div>
<div>
If you have any queries, kindly drop a comment below.</div>
</div>
Somesh Renganathanhttp://www.blogger.com/profile/02237444388087338120noreply@blogger.comtag:blogger.com,1999:blog-8695768261684177122.post-63807303988054044952015-12-27T10:19:00.001+05:302022-01-29T11:46:55.536+05:30Embed Responsive Youtube Videos on Blogger Blogs<div dir="ltr" style="text-align: left;" trbidi="on">
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiAKshsEIxt3rHRXRzn4x4J_9Jliq_iuyaoNpZjHlHhJThKYQz4dcYB1hrRVIAA5j1D33Kmj_Dleocn70GCf16JscZsJFWMTxatjsgIoS48bVzELcCiabkPL3PVOmpAoeImoxgfKmjaF22K/s640/responsive-youtube-video-embed.png" style="margin-left: 1em; margin-right: 1em;"><img alt="Responsive-YouTube-Videos-Embed-Blogger" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiAKshsEIxt3rHRXRzn4x4J_9Jliq_iuyaoNpZjHlHhJThKYQz4dcYB1hrRVIAA5j1D33Kmj_Dleocn70GCf16JscZsJFWMTxatjsgIoS48bVzELcCiabkPL3PVOmpAoeImoxgfKmjaF22K/s640/responsive-youtube-video-embed.png" title="Responsive-YouTube-Videos-Embed-Blogger" /></a></div>
As a blogger, more than explaining with your writings, it would be easier for the reader if you explain the post with a video. But when you embed a video, especially a <a href="http://www.youtube.com/" target="_blank">YouTube</a> video on your blogger blog, you could see that it consumes 300 KB to 400 KB of data for downloading the player elements. If you have any blog posts which had a YouTube video embedded on the post, <a href="http://tools.pingdom.com/fpt/" target="_blank">check out the loading speed</a> of that blog post.<br />
It is found that, a single YouTube video, embedded on a webpage, makes more than 10 HTTP requests and downloads around 400+ KB of data even before the user has hit the play button. That increases the page load time of your blog.<br />
<br />
It is very crucial that your blog page loading time is a directly affecting <a href="https://www.someshr.com/2015/11/What-does-SEO-stand-for.html" target="_blank">on page SEO factor</a>, which you need to fix for <a href="https://www.someshr.com/2015/12/How-to-Dominate-First-Page-of-Google.html" target="_blank">dominating the Google SERP</a>. Moreover, the default YouTube player which you embed on your blog posts are not responsive, which ultimately results in a poor user experience for viewers who visit your blog. In this blog post, I show you how to responsively load YouTube videos in your blogger blog.<br />
<br />
<h3 style="text-align: left;">
How to Embed YouTube Videos Responsively on Blogger</h3>
Instead of embedding the full YouTube video player, we are going to display just the thumbnail images of the YouTube video and a “play” icon is placed over the video so that it looks like a video player. If you want to know how it works, just see this post: <a href="https://www.someshr.com/2015/12/How-to-download-Youtube-videos.html" target="_blank">How to Download YouTube Videos</a> on my blog which is designed using the same trick which I am mentioning below.<br />
When the user hits the play button, the video thumbnail is replaced with the standard YouTube video player with auto-play set to 1 so it plays the video instantly.<br />
<br />
<h4 style="text-align: left;">
Step 1: Add the below JavaScript code at the footer section of your blogger blog</h4>
<pre><div class="note">
<script>
(function() {
var v = document.getElementsByClassName("youtube-player");
for (var n = 0; n < v.length; n++) {
var p = document.createElement("div");
p.innerHTML = ytThumb(v[n].dataset.id);
p.onclick = ytIframe;
v[n].appendChild(p);
}
})();
function ytThumb(id) {
return '<img class="youtube-thumb" src="//i.ytimg.com/vi/' + id + '/hqdefault.jpg"><div class="play-button"></div>';
}
function ytIframe() {
var iframe = document.createElement("iframe");
iframe.setAttribute("src", "//www.youtube.com/embed/" + this.parentNode.dataset.id + "?autoplay=1&autohide=2&border=0&wmode=opaque&enablejsapi=1&controls=0&showinfo=0");
iframe.setAttribute("frameborder", "0");
iframe.setAttribute("id", "youtube-iframe");
this.parentNode.replaceChild(iframe, this);
}
</script>
</div>
</pre>
The JavaScript function will check whether any videos are available on your blog post and if found, it just replaces it with the thumbnail image of that corresponding YouTube video. When user hits the play button, JavaScript does the magic by embedding the actual YouTube player.<br />
<br />
<h4 style="text-align: left;">
Step 2: Add the below CSS code before <span style="font-weight: normal;">]]></b:skin></span> on your Blogger Template</h4>
<pre style="text-align: left;"><div class="note">
.youtube-container { display: block; margin: 20px auto; width: 100%; max-width: 600px; }
.youtube-player { display: block; width: 100%; /* assuming that the video has a 16:9 ratio */ padding-bottom: 56.25%; overflow: hidden; position: relative; width: 100%; height: 100%; cursor: hand; cursor: pointer; display: block; }
img.youtube-thumb { bottom: 0; display: block; left: 0; margin: auto; max-width: 100%; width: 100%; position: absolute; right: 0; top: 0; height: auto }
div.play-button { height: 72px; width: 72px; left: 50%; top: 50%; margin-left: -36px; margin-top: -36px; position: absolute; background: url("http://i.imgur.com/TxzC70f.png") no-repeat; }
#youtube-iframe { width: 100%; height: 100%; position: absolute; top: 0; left: 0; }
</div>
</pre>
<h4 style="text-align: left;">
Step 3: Embedding Responsive YouTube videos</h4>
Paste the following code anywhere in your web page where you would like the video to appear. Remember to replace VIDEOID with the actual ID of the YouTube video. Also, there’s no need to add the height and width parameter since the video will automatically occupy the width of the device while the height is auto-calculated.<br />
<pre><div class="note">
<div class="youtube-container">
<div class="youtube-player" data-id="VIDEOID"></div>
</div></div>
</pre>
<h4 style="text-align: left;">
Conclusion</h4>
This technique will decrease your webpage size by 350 KB to 400 KB while making your website responsive.<br />
Please comment below if you have any issues regarding implementing the above codes on your blogger blog.</div>
Somesh Renganathanhttp://www.blogger.com/profile/02237444388087338120noreply@blogger.com