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Topic : Understanding the term: Bull market
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The financial term like bull market is generally used every now and then in the local dailies here is a sincere effort to understand this term.Bull market means a financial market of a group of securities in which prices are rising or are expected to rise. The term "bull market" is most often used to refer to the stock market, but can be applied to anything that is traded, such as bonds, currencies and commodities.Bull markets are characterized by optimism, investor confidence and expectations that strong results will continue. It's difficult to predict consistently when the trends in the market will change. Part of the difficulty is that psychological
Topic : Mind it while Financial Planning
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Financial Planning offers a coordinated and comprehensive approach in helping you to achieve your personal and reasonable financial goals. Building, managing and preserving wealth is a very important aspect of life. But it is not an easy task. Maybe you have recently retired and are concerned about outliving your Savings. Maybe you are a baby boomer trying to plan for a secure Retirement. Maybe you are part of the "Food generation", caring for your own children at home while also caring for the needs of aging parents. Maybe you are recently widowed or divorced with all of the difficulties that these life challenges bring. Maybe you have accumulated substan
Topic : Insure to shrug off the tension while traveling
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Travel insurance, the redemption for most of the travelers which is also referred to as trip insurance. This insurance policy provides additional protection for persons who frequently travel for business of pleasure. The insurance usually gives coverage that is above and beyond the protection provided by other forms of insurance. Travel insurance packages can address just about any aspect of traveling, from providing compensation for hotel booking issues to covering unexpected health problems when outside the jurisdiction of a traditional health plan. It is an excellent tool that is helpful to handle unexpected delays that result in extra financial expenses. F
Topic : Insure to Secure!
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Switch off your light and sleep tight as insurer is there to guard. Home insurance is a contract between an insurance company and the owner of the home to cover certain types of damage to the property and its contents, theft of personal possessions, and liability in case of lawsuits based on incidents or events that occur on the property. This is most important form of insurance after Life insurance because people generally make their biggest investment in home. It is not just about money but also about emotional attachment to the property. Hence, it is extremely important for people to protect their home and its belongings from loss or destruction by taking up home
Topic : Life Insurance: A Security Guard
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The fundamentals for the life insurance are quite simple; it is a contract between the policy owner and the insurer, where the insurer agrees to pay a sum of money upon the occurrence of the insured individual's or individuals' death or other event, such as terminal illness or critical illness. In return, the policy owner agrees to pay a stipulated amount called a premium at regular intervals or in lump sums.Insurance forms a vital part in our financial planning goal as it addresses the critical aspect of security for your family. As a concept you should have it in order to financially secure the life of your dependents after you. Hence the basis of having a
Topic : Common delusions: Financial planner & broker
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Generally people has this misconception that there is no such difference between a broker and a Financial Planner but this isn't true at all. Actually a normal broker makes recommendations for investments. However, FP is not simply the ad hoc purchase of a range of investments; rather, the investments are the end process of a financial plan's implementation. Implicit in the process of personal financial planning is the preparation of a written plan that details a client's financial needs and resources, establishes set objectives, and in appropriate circumstances, details specific recommendations. Your financial planner will help you to not only ide
Topic : Investment versus financial planning
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Financial and investment planning are terms that are interchangeably used in personal finance parlance. But nothing could be farther from the truth. To understand the difference between the two concepts, we first have to understand them well.Investment Planning (IP) has the "rate of interest" factor at its core, thus making the approach a little myopic. The IP process involves several steps, ranging from setting investment goals and understanding the risk appetite to designing an investment portfolio after evaluating the markets and the investment landscape. IP refers to a commitment of funds to one or more assets that will be held over a specific period.
Topic : Health insurance: A Friend in need is a friend indeed
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The period of recession is lurking around the economies of the world including India which despite of its strict fiscal policy facing problems like price inflation contributing to need to health insurance and the other factor which has conviced the indian consumer to buy a health insurance cover is the lifestyle of the metropolis. People wants to ensure that somebody should takes care of when situation of the need arises, insurance companies facilitates us with a wide range of health insurance plans that cover much more than basic hospitalisation. Organisations usually opt for a group health cover for their employees. On the retail front, the standard family floater
Topic : Ponder and Invest.
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Everyone makes investments but the difference whether a rookie or an expert so just be a bit cautious to earn more. An investment portfolio has to be valued based on the current market price of securities, to which you add interest/dividend earnings and reduce expenses/ interest on borrowed funds.When she computed this, the total return on capital was a negative 20 per cent. Her investment value had shrunk to Rs 8 lakh. In case you have a similar story, do read on…Many a times, while making an investment, we overlook the basic principles of investing. This may be due to ignorance, time constraint or slack attitude.Because of this, even those who save systemat
Topic : Mediclaim's Mechanics
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Medical Emergency can befall on anyone and in the current scenario even hospitalization can break financial backbone so it is better to buckle up for any unforeseen contingency. Here's a brief of the types of plans available in the market today which will help you to make a right choice.Basic planAs the name suggests, this is a basic health insurance plan that covers expenses incurred during hospitalisation. Besides regular hospitalisation, such policies also cover pre- and post-hospitalisation expenses, typically up to a month. You can invoke this plan in case of accidents or on contraction of an ailment. However, keep in mind that this plan will not honour cla
Topic : Claim claims without hassles
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Health insurance claims , mere mentioning of this topics generate goosebumps because most of them get rejected by insurers on flimsy grounds. The reason is that most of the people don’t like going through the fine print before buying one hence pave their way to later on troubles. True, health covers are bought with a view to taking cover against any financial constraint that may arise because of a medical emergency, and insurance companies are bound to honour legitimate claims within policy limits. At the same time, however, it must be understood that insurance companies are not charitable organizations. Therefore, they can’t be expected to h
Topic : Save your hard earned money
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Ooze out your money that is what these tax policies do. So, be smart and plan your investments. Investments in annuity plans which are offered by insurance firm can unlade your tax burden. Insurance regulator IRDA is in talks with the government to make annuity-plans more tax-efficient. If the proposal is accepted in the coming budget, it will augment returns for retired employees and help insurers market these plans better. An annuity is a contract issued by an insurer to make regular payments to a policyholder for the rest of his life after retirement. The frequency of payment depends on the way the policy is structured. Going by the existing income-tax
Topic : Its all about Group Insurance Policy!
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In a Group Insurance a large number of Individuals are covered under a single policy which is called the "Master policy". The insurance contract is with the body that represent the individuals the employer or the associations, Because the contract is with the body that body is the policy holder. The individuals are the beneficieries.the benefits will determined on the bases that apply uniformly to all the individuals. According to IRDA guidelines issued on 14.07.2005 , individual members who are beneficieries of the group cover are to be given confirmation of the benefits secured by the master policy. Group insurance may or may not be converted to in
Topic : Apple iPhone Vs Blackberry - Smackdown
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Apple iPhone Vs Blackberry - SmackdownWith the smartphones market heating up, business folks around the country will be faced with the decision of switching to the trendy new iPhone or upgrading to theiPhone. To determine whether the grass really is greener on the iPhone side of the fence, the article chronicles the experience of a venture capitalist (who wishes to remain anonymous) who has been using an iPhone and a BlackBerry 8800 side-by-side for the past few weeks. His conclusion: despite the overall attractiveness of the iPhone, it lacks too many vital features to replace the BlackBerry as the corporate weapon of choice.For starters, a BlackBerry set up with Mi
Topic : Risk Free Travel insurance !
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Now a days, Travel Insurance is quite popular across the globe.These policies have become indispensable for every person going abroad. Most of the people usually travel through out the year and that is why the level of importance for travel insurance policies has increased significantly over the last few years.Such a policy helps in avoiding unnecessary expenses on healthcare during travel; most people accustomed to medical insurance policies in India often find they pay a heavy price for the claims made on such overseas policies.INTERNATIONAL TRAVEL POLICYAn international Travel insurance policy covers medical expenses of the individual when abroad. This will
Topic : Emotions & Investing cant go together!
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Emotions are important in our life & they play a major role in taking a decision in our life , Whether it is a financial decision or any other. Some times emotions create a big hindrances in making a good financial investment. Here are some common emotional biases that affect our investing:We are hardwired to think of the short-term gains while taking decisions. We feel confident and stimulated about the short-term gains and perhaps miss out the long-term view. For instance, when offered a choice between Rs 10,000 today and Rs 11,000 tomorrow, many people choose the immediate option – Rs 10,000 today. However, when asked to choose between Rs 10,000 in a ye
Topic : Focusing on Health insurance !
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Health is wealth as it is one the popular proverbs and though sometimes one has to spend that hard earned cash to maintain it. but no need to worry as insurance companies are now offering many different plans. The cost of medical treatment is increasing day by day. Health insurance is essential for every one in todays life, the cost of surgery , is increasing as the cost of living standard . If some one comes in medical treatment they got mainly two problem 1) balancing the cost of treatment & they also get the emotional losses. Increasing consumer awareness on health, rising healthcare costs, drop in sales of new business for life insurance co
Topic : Charges in ULIPs.
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ULIP is life a insurance solution that provides for the benefits of protection and flexibility in investment. The investment is denoted as units and is represented by the value that it has attained which called as Net Asset Value (NAV). Unit Linked Insurance Plan - is a financial product that offers you life insurance as well as an investment like a mutual fund.There are four types of charges available in of ULIPs.1) Premium Allocation charges2) Mortality charges3) Fund management Charges and4) Policy Administration charges. PAC ( Premium Allocation Charges) :- This is the front-end charge deducted from the premium. The premium is that which got left after the
Topic : Travel Insurance Policy !
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Travel Insurance, which is mostly concerned with those person who often go abroad like a business person who has to go for the business person, a student for study purpose, and top business executive for their business development and many more. It is the insurance that is intended to cover medical expenses and financial (such as money invested in nonrefundable pre-payments) and other losses incurred while traveling, either within one's own country, or internationally. The first thing you'll need to decide is whether you want a Single Trip or Annual policy. Insures you for a specific holiday and the cost of the policy will depend on the length of t
Topic : How Safe is to Invest in Stock Market.
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After a long period of time , the stock market is suddenly looking up with sensex be reaching the 11,000-mark. Market experts are also back in action. Some predict a turnaround may be just around the corner. Others claim that investors can safely bet on stocks if they are prepared to wait for at least two years. And almost everyone is sure of handsome returns from the stock market once again. However, there is a small problem. Most potential investors don’t have a clue on how to go about investing in the stock market. After all, only a small percentage actually opts for investments in stocks. If you are among the novices waiting to test the waters, here&r
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