Warning: If you received this SMS, be careful!

Warning: If you received this SMS, be careful! Otherwise, the bank account will be empty in a few minutes

Warning: If you received this SMS, be careful!

With new types of phishing attacks, hackers are targeting banking customers in India as bankers. He is collecting sensitive information like his internet bank,  portable number, and once-secret key (OTP).

The Indian Computer Emergency Response Team or CERT-IN has warned all citizens living in the country about the new scam. This admonition is about bank misrepresentation OR bank fraud. Security agencies have noted that hackers are launching new types of phishing attacks targeting customers as bankers. Hackers are using the Engrock platform for this. Phishing attacks are forcing users to access sensitive information such as their internet bank credentials, one-time passwords, phone numbers, and more.

Keep an eye on the Market for earning in leisure life

 There can be a long life, keep an eye on the market for earning even in leisure life

Keep an eye on the Market for earning in leisure life

Remember, you are going to retire after 2 years. He has worked for his entire life,  he has also thought about how to spend his time after retirement. What you haven't thought about yet and still haven't fully understood is the potential for longevity. Yes, the average person lives longer at this age, and life expectancy is generally increasing with the advancement of medicine. However, nobody ought to have any protest in such a manner.  

The list of rich players, only Virat got the place in the Indian player

The list of rich players, only Virat got the place in the Indian player

The world's famous magazine Forbes has released the list of rich players of the year 2020. In which for the second sequential year, Indian cricketer Virat Kohli has made his place among the highest-paid players. While tennis legend Roger Federer has secured the first position in this list. Virat's total annual earnings are $ 26 million i.e. 196 crores. The Indian cricket captain has been ranked 66th in the magazine's list of 100 richest players, while he was at the 100th position in the past.

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 List of top 10 players in the magazine

1. Roger Federer (tennis): $106.3 million

2. Cristiano Ronaldo (football): $105 million

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3. Lionel Messi (Football): $104 million

4. Neymar (football): $95.5 million

5. LeBron James (basketball): $88.2 million

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6. Stephen Curry (basketball): $74.4 million

7. Kevin Durant (basketball): $63.9 million

8. Tiger Woods (golf): $62.3 million

9. Kirk Cousins ​​(football): $60.5 million

10. Carson Wentz (football): $59.1 million

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On the basis of these places in the list

Forbes has released this list on the basis of prize money, salary, bonus, advertisement, royalty among other things received by the players from 1 June 2019 to 1 June 2020.

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FAQ

Who is No 1 rich man in cricket?

As of my last knowledge update in January 2022, it's important to note that the financial standings of individuals can change due to various factors, including investments, business ventures, and fluctuations in net worth. Therefore, it's recommended to check the most recent sources for the latest information on the wealthiest individuals in cricket. As of my last update, Mukesh Ambani, the owner of the Mumbai Indians IPL team and one of the richest individuals in India, was notably associated with cricket through his team ownership. However, it's essential to verify the latest rankings to determine the current No. 1 richest person in cricket.

Who is the 2nd richest cricketer in India?

As of my last update in January 2022, Sachin Tendulkar, often referred to as the "God of Cricket," was one of the wealthiest cricketers in India. Tendulkar's immense success on the field, coupled with lucrative endorsement deals and investments in various ventures, contributed to his substantial wealth. However, it's essential to verify the latest financial standings to determine the current second richest cricketer in India, as these rankings can fluctuate over time due to various factors such as investments, business ventures, and endorsements.

Who is richest Dhoni or Kohli?

As of my last knowledge update in January 2022, both MS Dhoni and Virat Kohli are among the wealthiest cricketers in India, but determining the exact rankings can be challenging due to factors such as endorsements, business ventures, and investments. MS Dhoni, the former captain of the Indian cricket team, has been associated with numerous endorsement deals and business ventures, including being the co-owner of the Chennai Super Kings in the Indian Premier League (IPL).

On the other hand, Virat Kohli, the former captain of the Indian cricket team, has been a prominent face in the cricketing world and a sought-after brand ambassador. His brand value has been significantly enhanced through endorsement deals with various companies.

To ascertain the current standings and determine who is the richest between Dhoni and Kohli, it's recommended to refer to the latest reports on their net worth and financial activities. These figures can change over time due to new contracts, business ventures, and fluctuations in the market. Keep in mind that the financial landscape of individuals can be dynamic, and accurate information may require recent sources for a precise answer.

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Know- what kind of problems are still happening after 4 year of GST

 4 years of GST, know- what kind of problems are still happening to traders, revealed in the survey

Know- what kind of problems are still happening after 4 year of GST

Today is the fourth year of the biggest tax reform GST (Goods and Services Tax) implemented by the Modi government. The tax reform by the Modi government at the Center changed many of the taxes levied by the Central and State Governments into 'single tax' GST, which currently has four slabs, 5%, 12%, 18%, and 28% for various businesses.

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Regular hassles and technical glitches in the implementation of GST have led to dissatisfaction among businessmen, which has resulted in problems among the people due to many intricacies of tax reforms.

In a survey conducted by Local Circle in 18,000 businesses spread across 171 districts of India, 28% of respondents expressed dissatisfaction with the tax system, while 43% said they were happy. 

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The main reason for dissatisfaction is spending more time on GST compliance vs. pre-GST taxation and most people are having trouble understanding, logging, furthermore, submitting data on the GSTN site.

Compared to pre-GST, 64% of businesses say their monthly accounting costs have increased after GST while 57% of businesses also say that invoice matching between input and output is their first issue with GST.

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The survey also found that 13% of businesses experienced "refund delay". The other 13%, however, issues of "separate list need for each separate state". 5% had a problem with "TCS and TDS". 12% of businesses had no opinion. The survey received 3,004 responses to this question. Invoice matching is an area where a business is matching its output invoices and applying for input tax credit payable.

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Meanwhile, many businesses have raised the issue of dependence on suppliers, whose delay in GST compliance affects the compliance of the entire supply chain. Over the last four years, many small businesses have also raised the structural issue of paying GST for their customer invoices, while it takes customers 3-6 months to pay the invoices to large companies or government bodies in many cases. . This leads to a cash crunch for small traders.

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FAQ

What are the problems faced by GST?

The Goods and Services Tax (GST), introduced as a transformative taxation system, faces several challenges in its implementation. One prominent issue is the complexity of compliance, with businesses grappling to navigate the intricate filing procedures and varying rates across states. Additionally, technological glitches in the GST Network (GSTN) have hindered smooth online filing, leading to delays and frustrations for taxpayers. The frequent changes in GST rates and regulations also contribute to uncertainty and administrative burdens. While GST aimed at simplifying the tax structure, these challenges underscore the need for continuous refinement to realize its full potential as a transparent and efficient tax regime.

What happens if GST return is not filed for 4 years?

Failing to file Goods and Services Tax (GST) returns for four consecutive years can result in severe consequences for businesses. The accumulation of unfiled returns may lead to hefty penalties and interest charges. Non-compliance may trigger legal actions, including the cancellation of GST registration, restricting businesses from availing input tax credit. Moreover, continued non-filing could lead to prosecution and imprisonment under GST laws. Businesses are strongly advised to adhere to the filing deadlines, as prolonged non-compliance not only jeopardizes financial stability but also invites punitive measures, hindering the smooth operation of enterprises in the long run.

What are the new changes in GST 2023?

As of my last knowledge update in January 2022, I don't have specific information on the changes in GST for the year 2023. The details of any new changes to the Goods and Services Tax (GST) system would be subject to government announcements, which I may not be aware of. To get the latest and accurate information on GST changes in 2023, I recommend checking official government sources, such as the official GST portal, government press releases, or consulting with a tax professional who can provide up-to-date and accurate details on any amendments or modifications to the GST system.

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Emergency funding is your best partner in your difficult time.

Emergency funding is your best partner in your difficult time.

Emergency funding is your best partner in your difficult time.

You've probably heard of emergency fundraising, yet, if you've at any point had one, if not, this is the right time.

Emergency funds ... money that may seem a bit overwhelming when it comes to freezing, in any case, concerning using it,  they feel like slapping themselves in the back. This is the fund, which stands like a good friend in your bad times. IIn the event that someone works for you, it irrefutably works for you. 

Earn, save then spend ... remember

 Earn, save then spend ... remember

Earn hard work, but if you run out of money on time, you need to take a special approach to conservation. This is a way to keep you in a stronger position in the future.

There is a very old saying related to conservation. Earn, save and spend. If you have to save for the future while earning, this is an easy way. This is a line that you will always remember and never regret. Monika started earning from 1 year ago. Monika, an engineer by profession, was given exactly the same advice by his father.

Eight easy and simple methods to save money

Eight easy and simple methods to save money

Here and there the hardest part about setting aside cash is simply beginning. Simple approaches to set aside a ton of cash and how to utilize your investment funds to seek after your monetary objectives can be hard to execute. This step-by-step management on saving propensities will assist you with fostering a down-to-earth reserve funds arrangement. 

1. Record your costs 

The initial phase in setting aside cash is the amount you spend. Watch out for every one of your costs - it shows that each espresso, paper, and nibble you purchase. Preferably, you will actually want to represent each penny. When you get your data, coordinate the numbers dependent on classes like gas, staple goods, and home loans and add each sum. Consider utilizing your Mastercard or bank explanation to assist you with this. In the event that you do internet banking, you will actually want to channel your subtleties so you can without much of a stretch split your costs. 

ALSO READ: What is Wealth Frequency?

2. Make a spending plan 

When you plan the sum you will go through once per month, you will actually want to set up your recorded costs in a possible financial plan. Your financial plan should lay out how costs work for your pay - so you can draw your spending and line further spending. Notwithstanding your month-to-month costs, make certain to consider continuous however not month-to-month costs like vehicle upkeep. Get loads of data about planning. 

3. Cash saving arrangement 

Since you've planned, make an investment funds segment within it. Attempt to save as much as 10-15% of your pay. In the event that your costs are high to such an extent that you can't simply save so a lot, there will come a chance to put it off. To do this, decide on superfluous things that you will save on, like amusement and eating. We have thoughts for setting aside money consistently just as decreasing your particular month-to-month costs. 

Tip: Treating reserve funds endorsements as an everyday cost can be an extraordinary method to reinforce great reserve funds propensities. 

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4. Pick something to save. 

Probably the simplest approach to set aside a great deal of cash is to lay out objectives. Start by contemplating how much reserve funds you may have to save from a home store to a get-away - at that point sort out what amount of time it will require for you to save it. In the event that you need assistance setting cutoff times, attempt the Small Savings Schemes

Few instances of short-and long period objectives: 

Present moment (1-2 years) 

- Emergency Fund (3-9 months everyday costs, just in cases) 

- Holiday 

- Down installment for the vehicle 

Long period (4+ years) 

- Retirement * 

- Your youngster's perusing * 

- Down installment on home or reproduction project 

* If you are resigning or putting something aside for your youngster's schooling, consider keeping that cash in a venture account. Speculations can be unsafe and expensive, yet on the off chance that you plan for an occasion too soon, they can likewise give you a composite return. 

5. Set your needs 

After your costs and pay, maybe your objectives essentially affect how you set aside cash. Try to remember long-haul objectives - Retirement arranging is fundamental not to sit down behind momentary necessities. Focusing on objectives will give you an unmistakable thought of where to begin saving. For instance, on the off chance that you trust you are wanting to supplant your vehicle soon, you can begin fund-raising for one. 

6. Pick the correct gadget 

On the off chance that you are putting something aside for transient objectives 

- Regular investment account 

- High-yield bank account, which has a standard loan cost contrasted with an ordinary bank account 

- Bank Money Market Savings Account, which has a variable loan fee that will increment as your investment funds increment. 

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Think about long period objectives: 

- Securities like stocks or shared assets. These venture items are open through a speculation account with a vendor. Remember that protections like stocks and shared assets are not safeguarded by the enterprise, the store or bank is certainly not an elective commitment and isn't limited by the bank, and the venture is in danger, just as the possible loss of the contributed. 

7. Programmed saving 

Practically all banks offer programmed moves between your checking and investment accounts. You can pick when, how much and where to move money or split your immediate store between your checking and bank accounts. Programmed moves are an extraordinary method to set aside money since you don't need to consider the big picture and it ordinarily decreases the impulse to go through cash. 

See your investment funds develop 

Check your advancement consistently. Not exclusively will this assist you to proceed with your own investment funds plan, it will assist you with recognizing issues and fix them rapidly. These basic approaches to set aside a ton of cash can persuade you to save more and accomplish your objectives quicker.

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You are about to discover a wealth secret that
Wall Street doesn't want you to know...

SEVEN BEST INVESTMENT OPTIONS

 These are the best investment options

SEVEN BEST INVESTMENT OPTIONS

 At this festival, you can also bring a smile to the face of yourself and the whole family by making your dream come true. how? This is what we tell you...

Often people give priority to shopping or new beginnings during the festival. But many times their dream is not fulfilled due to financial constraints. In such a situation, list your requirement,  banks offer many such offers, from which you can easily buy small and big things and take advantage of cheap EMI. Here we are giving you such information which will help you in investing:

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1. 10% cashback

Many banks have offered 10% cashback on shopping on the occasion of the festival. Some banks also have tie-ups with many online shopping websites. This cashback is available on limited products and fixed amounts only. Therefore, while shopping, definitely keeps in mind the limit, only then you will be able to take advantage of this offer.

2. Shop without money

Some banks give a golden opportunity to their customers to make purchases without any money by giving them a festive gift. According to this offer, the customer does not have to pay any money while shopping, and from the next month, EMI starts from his debit card, which the customer can pay comfortably in 6 to 18 months. So it was not an economic deal. Gradually this money will be deducted as EMI and you will not even know.

3. Take Car Payment Next Year

Many banks have also given this facility that if you want to buy a car, then take the loan now and pay its EMI from next year. At the same time, an extra rebate of  0.25-0.50 percent is also being given in the interest rate for women.

4. Bike is available at Rs.77 per day

If you have been thinking of getting a bike for many years and till now this dream has not been fulfilled, then this scheme can prove to be beneficial for you. For this you will not have to make any down payment nor will there be any processing fee. When the credit is transferred, the money will come to your account in no time. At the same time, under this scheme, a discount of up to 2 thousand will be available on the bikes and scooters of the particular company.

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5. Credit Card Benefits

Some banks are also launching such credit cards, whose EMI interest rate will be much lower and you will also get an air accident cover of Rs 4.50 crore. Also, there will be huge discounts on shopping.

Apart from this, a card has also been issued for certain credit card holders from which they will be able to avail 30% discount on all types of shopping and bill payments. For this, some annual fee will have to be paid, of which 50% will be returned. Along with this, you will also get branded gifts from the bank.

6. Reduction in loan interest rates

Giving a big gift to the customers on Diwali, many banks have reduced the interest rates of retail loans linked to repo rate from 0.25 percent to 0.10 percent, due to which all retail loans including home loans, auto loans have become cheaper. So you too can take advantage of this golden opportunity.

7. You can invest here

Most of the people spend money on the festival. They believe that Diwali means spending a lot of money. In this, they give priority to buying clothes, electronic goods, latest gadgets, and gold, while you should invest your money in such a place, which can profit you later on.

Here we are telling you about some such affordable investment options.

Lighten the burden by repaying the loan: Suppose your company has given you a substantial bonus. With this amount, you can repay the loan, which will reduce the pressure of repayment and you will be able to celebrate Diwali happily without being tension-free. It can also be called a wise investment.

Make a long-term investment: If you have been thinking of investing for a long period for a long time but have not been able to do it yet, then this is the best time to fulfill this dream. With this investment, the financial future of your family will be secure.

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Emergency Fund: Can't say anything when bad times come in today's time. In such a situation, we should prepare in advance to deal with the bad situation. So this festival you invest in an emergency fund and make your family feel financially secure.

Investing in Gold ETFs is wise: Buying ETFs can make a great investment. Anyway, in today's time, people prefer to invest in other ways than buying physical gold. By doing this you will also be able to fulfill your tradition and will also be able to strengthen the financial condition of your family.

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Best Guide For Balance Transfers

Tired of high credit card fees? Why not reduce your interest payments by transferring your balance to another card? 

A balance transfer is the smartest and easiest way to reduce credit card costs. Just make sure you understand the terms and conditions of the new card, so that you can maximize your savings.

Before you expire and replace your credit card, consider whether you want to keep your current card. If so, just ask for a lower interest rate. Tell your credit card company that you've got another card at a much lower rate and that you'll need to transfer your balance if it can't settle your transaction. However, if they decline your request, be prepared to do so.

Why use Balance Transfer?

A balance transfer can bring many benefits to cardholders. Transferring a balance to a lesser credit card can lower your interest rates and fees significantly. Credit card companies charge different interest rates on balance transfers and purchases. The most common rate is 0 percent for six to 12 months.

For example, no interest for 12 months for Chase Ultimate Rewards MasterCard and Citi Platinum Select MasterCard balance transfers and purchases. Chase's Discover Platinum Card and Hayes Visa offer reduced introductory rates after eight and six months, respectively.

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Some cards combine an introductory annual percentage rate (APR) with the billing cycle. GM Card and Fifth Third Bank Cash Rewards MasterCard charge 0 percent APR for the first six and four cycles, respectively.

You can also get other benefits by doing a balance transfer. For example, you'll be eligible for a new card with no annual fee, no overpayment increments, or cashback on purchases and other rewards. Some cards also offer car rental insurance, identity theft protection programs, and money-saving discounts.

How to transfer balance

Credit card companies typically use low-interest-rate balance transfers to attract new customers. There are three main ways to transfer the balance on the card. One way is to complete the documentation provided by your new card issuer. Or you can contact the credit card company to whom you wish to transfer the balance and arrange the balance transfer.

You can transfer your balance by writing a balance transfer or facility check. These simple checks look and work like regular checkups. All you have to do is write a check for the balance transfer amount and send it to the company from which you want to transfer the balance. Some probes become obsolete, so make sure you use them on time. If you do not do so, you will be charged for the regular interest rate set for your card.

Whichever transfer method you use, you can transfer as much as the credit limit on your card.

Transaction costs and other fees

Banks usually treat arrears transfers as cash advances and charge similar transaction fees. There is no charge for dues transferred in response to a special offer. But for Citi Platinum Select and many other companies, the transaction fee for balance transfers is 3% of each balance transfer amount, with a minimum of $5 and a maximum of $50. Keep in mind that very few people can transfer funds as the transaction fee may exceed your potential savings.

Apart from the standard transaction costs, banks also charge special fees which may surprise you. Some of the most common special charges include:

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Late Fee – Some banks wait a few days before estimating a late fee, but many levies it a day after payment. Companies charge either a flat fee, such as 10 or $15, or a minimum percentage of what is owed, such as 5 percent. To avoid late fees, mail your payment so that it arrives before the balance is due. If you pay your bill at a bank branch or ATM, find out how long it will take to process your payment. Sometimes the payment made at a branch or ATM is not credited for a few days.

High credit limit fee – Most cards charge a fee if you exceed your credit limit. These charges are levied each time you exceed your limit, so you'll need to incur several of these charges during the same billing period. Banks typically charge $10 or $15 for this fee or 5 percent of the amount at or above your limit. These charges are in addition to the interest charges.

Lost Card Replacement Fee? If your card is lost or stolen more than once and you need a new card, some companies will charge you a replacement fee. These fees range from $5 to $10.

To pay

After you transfer the balance, make sure all your payments are complete and on time otherwise, you will automatically be charged more. Generally, there is no extended tenure for arrears transfer, so interest will accrue immediately. (If you have an introductory 0% APR, no interest will actually accrue.)

While making a payment, it is important to understand that the payment you make will first apply to the lower or incentive dues and then to the higher APR. This means you'll be doing a 0% balance transfer before touching the balance on regular purchases, which can be charged at a rate of 9 to 18 percent. As a word of advice, consider using a separate card for your regular purchases and paying off the balance each month. Limit your balance transfer to a different card.

After the Evangelist's Honeymoon

As it expires, normal interest rates will apply. The standard variable APR for Citi Platinum purchase (8.99%) will be applied on all outstanding purchases and outstanding transfer amounts. Similarly, the standard variable APR (19.99 percent) for cash advances will be applicable on all cash advances. If you default in the Citi Platinum Card Agreement, the Company may immediately increase the APR on all balances, including any promotional balances, to a variable default rate of 28.99 percent.

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Your initial APR will depend on your credit history. If this interest rate is much higher than the rate on your old card and you have an outstanding balance, you will lose your money. Of course, you can transfer your balance to a new card with a lower promotional rate. Just be careful not to get caught in a vicious circle that can turn later

Get Credit Facility With Business Training, Two Services Launched

There is good news for traders. 

The All India Management Association (AIMA) has launched a six-month management course for the promoters and managers of Micro, Small, and Medium Enterprises (MSMEs). 

ALSO VIEW: Best Guide For Balance Transfers

AIMA said in a statement that the Special Purpose Management Skills Program is aimed at harnessing the knowledge and capabilities of MSME entrepreneurs to adapt to the new economy.

Online courses for MSME

The syllabus was announced at the 11th MSME conference of AIMA. This conference is taking place online. Addressing the conference, AIMA President CK Ranganathan appreciated the increasing support of the Central Government to the MSME sector in the wake of the Corona Virus pandemic. 

He said that the Emergency Credit Facility Guarantee Scheme for MSMEs has saved 13.5 lakh companies from bankruptcy and saved 1.5 crore jobs.

Loan facility for traders

Meanwhile, online payment solutions provider PayU has launched a credit facility of Rs 25,000 for small and large businesses. This will benefit 3.5 lakh PayU merchants. PayU has sent off three items - Marketplace Early Settlement, Priority Settlement and Merchant Lending. 

RECOMMENDED POST: Earn, save then spend.. remember

These measures provide capital access. Manages cash flow and increases liquidity. PayU Solutions for SMBs Rs. 25,000 to Rs. Provide credit amount up to Rs 1 crore. They can be repaid in 1 week to 1 year.

World Bank Estimates

The World Bank estimates that Indian SMBs are facing a credit gap of ₹380 billion. This makes it difficult for them to meet their short-term expenses and manage their day-to-day operations. 

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The new feature of PayU allows merchants to access funds in less than 30 minutes from the time of transaction. It supports businesses like travel and cab aggregators, financial services

SBI Vs Post Office: Where To Open A Fixed Deposit Account In 2022?

 Permanent deposit or recurring deposit is preferred for both regular and adult deposits under the credit department.

Invest in safe and risk-free tools.

These deposit schemes offer several benefits including low initial deposit, flexible tenure, regular income, tax benefits under the section.

80C of the Income Tax Act provides for liquidity and flexible interest. Investing in FDs and RDs is risk-free and is not market-based.

ALSO VIEW: Best Guide For Balance Transfers

Other speculation instruments and when we are worried about security we take a gander at the store plans presented by the State Bank of India (SBI) and post office of India

SBI Fixed Deposit and Recurring Deposit

SBI, the country's largest lender, offers a fixed deposit scheme, which offers a host of benefits to investors. Fixed deposit can be made for 7 days

Up to 10 years with the minimum deposit amount. 1,000/- and then Rs. 100/-. There is no maximum deposit limit

The amount and Fixed Deposit accounts can be opened through SBI Net Banking or Mobile Banking.

The bank pays the applicable interest rate on a quarterly basis or on maturity. In case of opening of Fixed Deposit for a maturity period

Monthly, half-yearly or annual interest can be earned for a period of twelve months or more, depending on the interest of the depositor. in bank

On the other hand, it offers a recurring deposit product, which allows depositors to make a fixed amount of monthly deposits over a specified period.

Recurring deposit accounts can be opened for a period of 12 to 120 months. Minimum Recurring Deposit Rs. 100/- per

RECOMMENDED POST: Earn, save then spend.. remember

Need a month, then increase the money. There is no maximum deposit limit of 10/-. Anyone can apply against existing opponents

Transfer your deposit accounts from one bank to another with permanent or recurring deposit accounts.

It is also possible to take a loan against a fixed deposit or a recurring deposit account. The interest rate on Recurring Deposit will remain the same for the tenure

The deposit amount is applicable to the general public and senior citizens. The bank's interest rate for low deposits is 7. The latest update is Rs 2 crore

The current interest rates on fixed deposits and recurring deposits are as follows from January 8, 2021, and as per the bank's website.

7 days to 45 days 2.93.4

46 days to 179 days 3.94.4

180 days to 210 days 4.44.9

less than 1 year 211 days 4.44.9

1 year less than 2 years 5 5.5

Less than 2 years to 3 years 5.15.6

5 Years Below 5 Years 5.35.8

5.46.2 for 5 years and 10 years

The Department of Posts offers Post Office Fixed Deposit Account (TD) which acts like a bank account. Requirements for this deposit scheme:

The minimum deposit amount is 1000/- and is multiplied by 100 without any maximum deposit limit. Post Office Fixed Deposit Account can be opened for maturity

The postal department is offering an interest rate of 5.5% on deposits with tenures of 1 year, 2 years, 3 years, and 5 years and at present, 1 year to 1 year.

6.7% on maturity deposits of 3 years and 5 years.

These interest rates are payable on an annual basis, however, they are fixed on a quarterly basis. Eligible for investment under TD of 5 years

Tax benefits under Section 80C of the Income Tax Act, 1961, such as bank tax-saving deposits. On development, the investor has the choice to restore the TD account for standby time after the account expires.

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A single adult or joint holder, parent for minor, parent for a mentally ill person, or minor over 10 years of age

Any individual can open a fixed deposit account in his own name and get the following interest rate, which is safe to back up from the Government of India.

1 year a/c5.50%

2Years A/C5.50%

3Years A/C5.50%

5 years a/c 6.70%

The Department of Posts offers a National Savings Recurring Deposit Account (RD) as part of its Post Office Savings Scheme. Cause

Can be set with a minimum deposit. 100/- per month or any amount up to Rs. 5 years multiplied by 10/- without any upper limit

And after opening the account, it will be eligible for a 5.8% p.a. (quarterly compounded) interest rate.

The account can be renewed for another 5 years by submitting the application at the concerned post office. a single individual or joint holder, or a

A parent for a minor, a parent for a person of unsound mind, or a parent in his name for a minor over the age of 10 years

Post Office RD Account

The account can be opened by cash or cheque, the date of withdrawal of the check being the date of deposit. RD Account

The account can be closed prematurely after 3 years from the date of opening

The main difference between Post Office FD and Bank FD is that only Indian citizens can open Post Office FD or RD but Bank FD.

It will also be opened by NRIs, NROs, and Indian citizens. The other difference is that you can deposit FD in the post office for 1 to 5 years

Bank FDs with tenures ranging from 7 days to 10 years should be considered here.

There is no additional benefit for senior citizens in the post office but banks pay senior citizens for 1 year or more.

Most of the post offices pay annual interest on fixed deposits but banks pay interest on a quarterly, half-yearly, yearly basis.

A single maturity amount that allows you to earn regular income from bank FDs.

For regular customers, post office fixed deposits are a good bet as SBI's interest rate is lower than that for the general public.

Office, when senior citizens opt for SBI Fixed Deposit as they will get the additional interest rate for the entire tenure.

However, keep one thing in mind that the post office does not deduct TDS on the interest earned by the earner, where interest is earned on fixed bank deposits.

10% TDS for submission of PAN or 20% for non-submission of PAN details to the bank.

SOURCE: NEWS RETURN

Initial Public Offering: Are All IPOs Worthy To Invest? What Should You Do?

Despite the fact that one particular food supply company has been making losses since its inception, some enterprising investors have persisted, Putting money in it.

In the wake of expenditure tremendous sum on publicizing for media advancement, the organization has dispatched its IPO in the current market.

By selling a loss-making company, the venture capitalist sells its shares at a price that generates huge profits for the capitalists.

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Not at all like customary organizations, which draw in open speculation dependent on their benefits, New Age organizations are for the most part misfortune-making organizations. Banks on inflation assessments by opportunistic venture capitalists.

To create the impression that such companies are very valuable, venture capitalists invest in loss-making companies and There is a good chance of attracting some big investment. Finally, high market times, when most new investors are looking for new investment opportunities

Inequities, investors in such ventures hurt IPO investors by offering to sell shares at a higher price for better profits. Hence, instead of investing in profit-making companies, such IPO investors take responsibility for losses.

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Companies at a premium price, which they should normally get at a discounted rate. Since the shares of the venture capitalists in most of the companies are being transferred to the investors in this process, this is also suspicious.

In effect, an initial public offering or a change in an existing partnership. Albeit a portion of these IPOs – in the wake of being recorded on the stock trade – was opened at a greater cost, the IPO permits financial backers to offload.

Stock up again, you are highly likely to lose money after being duped by greedy venture capitalists.

Hence, it is better to avoid investing in stocks in high market cycles, even in the IPO way, which is riskier than investing in Current company stock.

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You should be more biased in the assistance you with providing for other people, than you Invest in Equity Mutual Funds (MFs) through SIP, do not bother IPO and continue your SIP.

Also, since MF investments are managed by professional fund managers, they are well aware of whether investing in IPOs is worth it. so instead

It is better to invest directly in equities than to invest directly in mutual funds and leave the investment decisions to the fund managers.

Are You Trading to Your Strengths?

 In your business, are you playing to your strengths or are you an "opportunity seeker"?

There is a huge difference between the two and if you are only looking for opportunities then you are leaving yourself free to despair and loss.

There are many similarities between trading, trading, and gambling, and your ultimate success, in the long run, will depend on how you interact with any of the three. In all three cases, it's important to play to your strengths.

There is competition in any job and you always want to make sure that you are playing with your strengths and not your weaknesses.

Winning is the goal, that's profit, and you want every profit you can get.

Often, opportunity seekers look for opportunities because they feel they want to make money and feel they can overcome their weaknesses (learn more).

Keeping in mind the similarities between them, let us briefly look at how they apply in each case.

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In business, long-term success is built with the end goal in mind, an idea of ​​what the business will look like as it matures.

This is important because the company needs to take a course that suits its vision during development. It decelerates or derails due to confusion and deviation.

Successful business leaders know when to take a chance and when to say "no". Saying "no" is to consider the company's activities (time investment) where there are competitive advantages and where the company's disadvantages are to be avoided.

In gambling, the gambler will be at the blackjack table and earn money there. He could not jump and did not run across the roulette table because he had heard that there were only 50,000 winners. He knows what is good and goes to another table not to make money, but to have fun.

Investing in a business Undoubtedly, a good real estate investor who knows how to earn 1 million in a year cannot do well in the business. These are very different games.

Just because someone knows how to buy an asset, doesn't mean they have the talent or ability to make money in the futures or forex markets.

Experienced traders should also be reluctant to move from one game to another. Buy and hold position traders should be very careful before going into day-trading and improve their ability to spread the spreads before considering buying (or selling) futures contracts.

Each strategy (or game) is associated with different skills and different emotional needs.

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Another serious consideration is your skill level - position. It has to do with the ability to devote one's time to the business.

If you are new to business or have not yet mastered the skills required to do business, you should seek help.

The business learning curve can be very expensive, and if you don't have the time or plan to become proficient, how can you expect regular profits from it?

If you don't have the skills, energy, and resources needed to become a good trader, you can consider other options available to you.

If you don't have the skills or time to develop it, if you want to take advantage of the good money earned in a business, you can consider a managed account. Why set up a hobbyist business with your own money when you can get a professional one for you?

Anyway, try your best first!!! Ask for a track record and plan ahead.

If you are "starting from scratch" then your next option is to trade with an experienced broker.

That's what they have. Of course, you can find a broker with very low commissions to deal with, but you may get what you pay for. A good broker can look for $50-$100 round turn commission and they will give you their best advice.

In the long run, your situation is likely to improve - if you follow their advice!

Again, ask about their track record and check with the NFA if they have any complaints.

It doesn't matter which broker you are considering, it is well regarded in the trading community.

Many good brokers publish regular articles or advisory columns on reputable websites and established magazines.

In general, if you see that the person has been published for several years, that's a good sign.

Vaiko's and Charlotte travel a lot and are not allowed to stay in the same place until their popularity is maintained.

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If you don't have your strengths, take them from people who have them as you grow.

You really want more than karma to be fruitful in Affiliate Business. And only if you really want to be a trader and do it yourself.

If your real goal is to earn money then play it smart. Use the knowledge and skills of others until you develop yourself.

Of course, if you don't want to take the time to become a full-time or very active trader, but still want to be part of your income portfolio, consider your other options.

If all else fails, get ideas from others.

For business, these forces require discipline, mental control, coaching ability, ability to concentrate, following ability, decision-making ability, understanding possibilities, managing uncertainty, and much more.

There are such countless sorts, it's difficult to say.

Business can be both, but if its characteristics and desires are not taken seriously, it cannot end on both. In any endeavor where money is the end result, enlist the help of a loyal friend. Remember, we have a great guide showing you how to take the right steps and how to avoid them.

How To Avoid Bank Fees?

Sometimes many of us are afraid of check bounce, which can lead to huge costs in case of check bounce including overdraft charges and bank charges. 

Not to mention the fees charged by the receiving organization. This article is designed to help you avoid the costs generally associated with a bounced check. It is important that you regularly monitor everything coming in and out of your checking account. comes.

It's important to update your registration when you do something with your checking account. This is true if you are using your debit card for purchases or you are using your account as a direct payment method for our expenses. 

When you do any of these and you don't have the correct amount in your checking account; This will make your account outstanding.

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When this happens, your bank has several options, even if you don't have the correct amount in your account right now, they can either repay the balance. In the event that they pick this choice, you will be charged an overdraft expense. 

Your bank may choose to refund the NSF (insufficient funds) without paying a single penny, then you will be charged for the bounced check from the bank as well as the merchant.

To avoid these costs, make sure you follow your register, ensuring that you withhold every check, withdrawal, or immediate purchase, including any charges for this operation. Always keep your registration balanced, this will help you know what you do and what you don't. 

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Also, make sure you keep track of any online payments and direct debit payments you might make for utility payments or other types of expenses. When you receive your details every month, always keep a balance and review them with your registration. This will help you know which checks have been returned so far

If you make a mistake, you should immediately credit the appropriate amount to your account. Try to avoid any extra cost. Plus, if you have a savings account linked directly to your checking account to help cover such incidents, you can help with these costs. 

You can apply for credit with your bank to set the overdraft limit; This allows the bank to "borrow" the money needed to cover your bounced check or overdraft.

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How To Start An Import-Export Business On The Internet?

If thinking of starting your own import-export business online, keep in mind that every business takes time to be successful.

So you need to be patient and do thorough research. The first step is to survey the market and focus on the markets that best meet your needs. You need to work towards building a corporate international image and establishing your credibility in the market. Your validity will be the way into your achievement in your internet-based import-trade adventures. 

Your presentation should be impressive and believable. This will increase the chances of attracting foreign buyers.

Focus on your branding strategy

To qualify as an international player, you need to work on your presentation skills and corporate identity. Your corporate identity will state your company's goals, objectives, and values. Plays a vital role in establishing credibility on the global front. You should have the relevant logo, stationery, and cash line.

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Analysis:

You have to research different markets, government schemes, and buyers. Start by contacting and talking to them. Do a comprehensive market research survey and try to gain as much knowledge as possible. Get acquainted with the major players and potential buyers as well as merchants. Attend trade fairs and trade conferences in your area and keep yourself updated with the latest market trends and changes.

Relevant dates, information, and research should be added for market valuation. Internet would be an ideal market for your import/export business with maximum profit potential. You can find information on the Internet or by contacting the Chamber or Chamber of Commerce and Industry. While choosing a market you need to know the market trends, needs, target customers, local and global competitors.

Export/Import Business Terms and Conditions:

To start an online import and export business you need to follow the latest rules and regulations. For this, you need to contact your industry association and the relevant export authority and ask about any possible requirements for the export of your products. You will need to apply for an export license, certificate, or permit. A well-established export organization is the best place to get guidance.

Many countries have set up offices, consulates, or embassies to promote their exports. These embassies may be contacted for directories, manufacturer lists, and details of retailers. You can also get their email details through the consulate.

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You will need to contact the Trade Commissioner and your country's tax department to apply for a registration number and other procedures. You can get relevant information by visiting the Chambers of Commerce. It will give you an accurate idea of ​​trade and delivery terms, international payment methods, international business ethics, and favorable market conditions.

Establish yourself online:

If you are trying to set up your import and export business online, then first of all you need a good website. This will not only establish your credibility but also attract potential foreign buyers. In today's world where the Internet is the center of all activities, it is a must for one to have a corporate website. This is the only way buyers, manufacturers, retailers, and dealers can get information about your products and services. Your website will give you an edge over your competitors as it will reveal the USP of your products online.

Online product catalogs will further enhance the sales potential. Your website should provide your contact details as well as the terms and conditions of business. Your website should also be interactive with your company's profile.

Customize your website:

Search Engine Optimization is important for your website to attract relevant targeted traffic and hence grow the business to build a successful online business. <a href=http://www.aninfosolutions.com/>Search Engine Optimization</a> makes sure your website is good and has more targeted visitors on all major search engines like Yahoo, Google, and MSN. Visit your website. The more visitors you have, the higher your chances of increasing sales.

Development and Export Planning:

Different markets have different needs and trends. You want to foster a viable commodity plan for each market which ought to include:

export analysis

product development

implementation plan

export policy

finance

cost

logistics and distribution

Sales forecast

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Quick Reply Best Seller:

Give instant feedback to any online business to retain customers. It not only builds trust but also helps in creating more business. No customer likes to wait and the same applies to internet-based businesses.