archive-com.com » COM » F » FINANCIALEXPRESS.COM

Total: 1579

Choose link from "Titles, links and description words view":

Or switch to "Titles and links view".
  • Startups investment advice: Top 6 points entrepreneurs must focus on | The Financial Express
    advisable to err on the side of caution and insure for more than you initially think you might need 3 Investment options for startups Since startups are considered risky one should invest in safer avenues to protect the capital put aside ideally in fixed income securities government bonds bank deposits etc These will safeguard against any sudden drop in business as the capital is secure and earning an interest which can be then utilised for any expenses These could be company bonds bank fixed deposits fixed income mutual funds and fixed maturity plans 4 Planning for contingencies Along with a best case scenario model it is always necessary to make a worst case scenario model and make sure that provisions for business failure has been made This helps in preparing for situations accordingly which might arise if there is a business failure 5 Startup marketing spends Marketing and advertising are very important but should be done tactically and not generically Decide on the target market and choose the media for advertising A lot of startups have adopted social networking forums such as Facebook Linkedin etc to advertise It is advisable to reduce expenses on advertising agencies PR agencies and social media 6 Saving money Offer employees an option to work from home If you are in a business related to information and require heavy human capital it is better to offer employees to work from home as it will save extensive office space which in turn can help in bringing down rentals electricity cost office equipments and travel expenses Keeping a check on office supplies like packaging postage printing papers stationery etc is crucial to rein expenses In most organisations such expenses are often ignored as they are individually small but collectively large If such expenses are controlled and audited then it can be a great cost control technique Consider purchasing in bulk reuse of packaging material using e mail instead of regular postal mail Start it now Highlights Ensure you have six months of living expenses saved up before starting up Take adequate insurance cover Keep aside some money for Plan B in case things do not work out Track expenses and ensure that it is kept within budget The writer is CEO founder Right Horizons First Published on January 22 2016 12 04 am Tags Start ups Startup India Please Wait while comments are loading More on this story Digital India Startup India American firms asked to take advantage of PM Narendra Modi initiatives Startup Inda RBI plans to give relaxations to Startups to create more Indian unicorns Prime Minister Narendra Modi wants 50 per cent farmers to join Crop Insurance Scheme in 2 years Calculators Tax Calculator House Loan Calculator Financial Planner Inflation Planner Pension Calculator Employee PF Calculator Equity Screener Auto Loan Retirement Plan Savings Investment Guidance Videos BMW 7 series Merc S600 showcased at Auto Expo 2016 Auto Expo 2016 Maruti Suzuki Ignis Baleno RS unveiled Auto Expo 2016 Toyota Innova Crysta MPV makes its

    Original URL path: http://www.financialexpress.com/article/personal-finance/investment-advice-for-start-ups/199866/ (2016-02-08)
    Open archived version from archive


  • Anil Rego | The Financial Express
    note From Real Madrid to Chelsea Know the top 10 richest clubs New Mahindra cars at the Delhi Auto Expo 2016 Videos BMW 7 series Merc S600 showcased at Auto Expo 2016 Auto Expo 2016 Maruti Suzuki Ignis Baleno RS unveiled Auto Expo 2016 Toyota Innova Crysta MPV makes its India debut Auto Expo 2016 New Hyundai Tucson SUV revealed In the news PM Narendra Modi inaugurates Paradeep oil refinery Top 10 takeaways Sunny Deol starrer Ghayal Once Again box office collections soar to Rs 14 85 cr by day 2 India s biotech moment A made in India Zika virus vaccine Sanam Teri Kasam collections at Rs 1 25 cr Valentine s Day booster shot missing New Mahindra cars at the Delhi Auto Expo 2016 From Real Madrid to Chelsea Know the top 10 richest clubs Earthquake in Taiwan Magnitude 6 4 quake kills 14 over 100 missing scores injured in Tainan Real Madrid s Cristiano Ronaldo 31 soccer star and entrepreneur All you need to know in 8 slides How Zika virus infection can spread From mosquito bites to urine transmission top 5 points to note International Fleet Review 2016 President Pranab Mukherjee reviews naval fleet Asteroid TX68 to pass by Earth on March 5 at 9 000 17 000 km distance NASA Earthquake in Nepal 5 5 magnitude quake injures 15 tremors rock Bihar too Horoscope By Peter Vidal Today 08 Feb This Week 07 Feb 13 Feb SAGITTARIUS Your choices are perfectly clear Loved ones or close companions may be unreasonable but there is probably no escape from emotional tension What you can do however is make a conscious decision to treat all differences of read more Home Markets 2016 02 07 10 49 39 Outlook GDP data Q3 earnings to set market tone GDP IIP and consumer inflation will dictate market movement this week say experts while blue chips SBI and ONGC are also lined up to release their third quarter earnings numbers Sensex end 278 points up on value buying Lupin Vedanta shares surge Top 10 stocks that trended in today s trade Jindal Steel Lupin and more RBI to buy back inflation indexed bonds maturing in 2023 Mutual Fund AUM falls for third straight month in January Companies 2016 02 07 11 47 07 India Post to invest Rs 322 crore to augment parcel capacity In a bid to strengthen its position in the e commerce market India Post has proposed to invest Rs 322 crore till 2019 20 to augment parcel handling capacity through which it projects to earn a revenue of Rs 1 608 crore Facebook bans pages selling medical marijuana in US Aamir Khan loses Snapdeal contract Lupin Q3 net profit dips 12 per cent to Rs 530 crore BSE Institute announces launch of new zone for startups Economy 2016 02 06 19 54 52 Arun Jaitley asks states to step up infra social sector spending Finance Minister Arun Jaitley today said he expects states to increase spending on infrastructure

    Original URL path: http://www.financialexpress.com/author/anil-rego/ (2016-02-08)
    Open archived version from archive

  • Things to keep in mind after buying life insurance | The Financial Express
    shared through numerous cloud based applications Keeping digital copies also ensure that in cases of physical calamities where one may lose hard copy records there is always the safety net of digitized copies which can be retrieved from anywhere In a world of advanced digital technology most of your records are also maintained digitally at the insurer s end and most insurers now can process your claims if you can produce digital copies of your documents Keep your nominee information up to date A nominee is chosen when a policyholder is purchasing a policy This should not be overlooked as a mere formality Proper nomination is very necessary to ensure that your dependents get the benefit of your policy in a hassle free and swift process You can change nominees any number of times during the tenure of your policy by filling a form available with the insurer The latest information supersedes all previous nominations If you make a change to your nominee information in your policy anytime during the tenure of your policy do not forget to collect the acknowledgment of the same from your insurer and keep this in records safely Update contact information In case you are shifting residences ensure that you update your new communication address to the insurer Any other changes to your contact information such as a change in your telephone number or email addresses should be communicated clearly and updated with the insurer This ensures that you or your nominees have no chance of missing out on any important communication that is sent on behalf of the insurer You have worked hard all your life to pay the premium from your hard earned money for the safety and protection of your family Such efforts can come to a naught if your dependents remain unaware of the policies that you have purchased or details of the same Just buying life insurance policy therefore is not enough You can put these above tips to good use to ensure that your life insurance policies are rendered useful to your nominees A small effort on your part today may save a lot of trouble for your loved ones later The writer is executive vice president national relationship head Axis Bank Channel Max Life Insurance First Published on January 22 2016 12 01 am Tags Life Insurance Please Wait while comments are loading More on this story Insurance industry needs to realign its goals with the needs of insured Life Insurance Revival of interest in savings will give tailwinds to industry First year life insurance premium growth crawls Calculators Tax Calculator House Loan Calculator Financial Planner Inflation Planner Pension Calculator Employee PF Calculator Equity Screener Auto Loan Retirement Plan Savings Investment Guidance Videos BMW 7 series Merc S600 showcased at Auto Expo 2016 Auto Expo 2016 Maruti Suzuki Ignis Baleno RS unveiled Auto Expo 2016 Toyota Innova Crysta MPV makes its India debut Auto Expo 2016 New Hyundai Tucson SUV revealed Galleries IPL 9 auction Market Capitalisation Employment

    Original URL path: http://www.financialexpress.com/article/personal-finance/things-to-keep-in-mind-after-buying-life-insurance/199848/ (2016-02-08)
    Open archived version from archive

  • Sumit Rai | The Financial Express
    Day booster shot missing New Mahindra cars at the Delhi Auto Expo 2016 From Real Madrid to Chelsea Know the top 10 richest clubs Earthquake in Taiwan Magnitude 6 4 quake kills 14 over 100 missing scores injured in Tainan Real Madrid s Cristiano Ronaldo 31 soccer star and entrepreneur All you need to know in 8 slides How Zika virus infection can spread From mosquito bites to urine transmission top 5 points to note International Fleet Review 2016 President Pranab Mukherjee reviews naval fleet Asteroid TX68 to pass by Earth on March 5 at 9 000 17 000 km distance NASA Earthquake in Nepal 5 5 magnitude quake injures 15 tremors rock Bihar too Horoscope By Peter Vidal Today 08 Feb This Week 07 Feb 13 Feb SAGITTARIUS Your choices are perfectly clear Loved ones or close companions may be unreasonable but there is probably no escape from emotional tension What you can do however is make a conscious decision to treat all differences of read more Home Markets 2016 02 07 10 49 39 Outlook GDP data Q3 earnings to set market tone GDP IIP and consumer inflation will dictate market movement this week say experts while blue chips SBI and ONGC are also lined up to release their third quarter earnings numbers Sensex end 278 points up on value buying Lupin Vedanta shares surge Top 10 stocks that trended in today s trade Jindal Steel Lupin and more RBI to buy back inflation indexed bonds maturing in 2023 Mutual Fund AUM falls for third straight month in January Companies 2016 02 07 11 47 07 India Post to invest Rs 322 crore to augment parcel capacity In a bid to strengthen its position in the e commerce market India Post has proposed to invest Rs 322 crore till 2019 20 to augment parcel handling capacity through which it projects to earn a revenue of Rs 1 608 crore Facebook bans pages selling medical marijuana in US Aamir Khan loses Snapdeal contract Lupin Q3 net profit dips 12 per cent to Rs 530 crore BSE Institute announces launch of new zone for startups Economy 2016 02 06 19 54 52 Arun Jaitley asks states to step up infra social sector spending Finance Minister Arun Jaitley today said he expects states to increase spending on infrastructure and poverty alleviation schemes as the 14th Finance Commission has devolved higher funds to them Govt approves Rs 17 000 cr highway projects for 9 states Open to idea of separate mechanism for broadcasting cases Arun Jaitley Fattening MGNREGA is a national shame not pride Doubting India s fastest growing GDP stats economists devise their own Tech 2016 02 06 13 34 09 Google engineer builds smart Android powered bathroom mirror A Google engineer has developed a smart Android powered bathroom mirror which automatically displays the latest updates Twitter to launch new Facebook style timeline in 23 countries Mozilla to kill Firefox smartphone operating system InFocus launches BINGO 1 priced at Rs 5

    Original URL path: http://www.financialexpress.com/author/sumit-rai/ (2016-02-08)
    Open archived version from archive

  • Agents of change: Perks up | The Financial Express
    government health insurance schemes the commission will be 0 5 of the premium subject to a cap of R50 000 per scheme per policy year The exposure draft has also set the rates of remuneration for non life products In case of retail health insurance policies offered by general insurance companies the commission will be 15 of the premium in the first year In case of government health insurance schemes it will be 0 5 of the premium paid subject to a cap of R50 000 per scheme per policy year For motor insurance the payout will be 10 in the first and second year of registration of the vehicle and will be 15 from the third year onwards of the registration The policy seeks to utilise agents to increase insurance penetration and density in the country and bring cost efficiencies in conducting the business and simplification of the administration of insurance business Insurers cannot pay any amount more than than the sum specified in the laws Every insurer will have a policy for payment of commission to agents duly approved by the board of the company If the policy is procured directly by an insurer no commission will be paid to the agent However the regulator has opened a window for insurers to give a reward to their agents which will be over and above the commission paid It will be 20 of the first year commission in case of individual insurance agents and 40 of the first year commission in case of insurance intermediaries like corporate agents insurance brokers web aggregators and insurance marketing firm Rewards will be an incentive to intermediaries towards benefits such as gratuity term insurance cover group life insurance cover group personal accident cover group health insurance cover telephone charges office allowances and sales and promotion gift items The draft norms have specified certain safeguards for individual insurance agents An insurer cannot terminate or cancel the letter of appointment of an individual insurance agent on frivolous grounds and in an arbitrary manner An insurer cannot transfer the policies procured by an individual agent as long as he is engaged by the insurer as their agent At the end of each financial year all insurance companies will have to submit a return on payment of commission remuneration and rewards paid to agents Any breach of violation of the provisions of the Act will make the insurer liable to a penalty as per the law Draft norms Irdai has come out with draft regulation which seeks to formalise the non monetary incentives that insurers pay to distributors The new norms would link commissions based on the product type and also on the premium payment terms The draft allows for 50 of the first year premium as commission in case of regular premium policy both participating and non participating for premium payment terms of over 12 years In case of single premium life policies the maximum remuneration that can be paid to an agent will be 2

    Original URL path: http://www.financialexpress.com/article/personal-finance/agents-of-change-perks-up/199844/ (2016-02-08)
    Open archived version from archive

  • Why Sovereign Gold Bond is the best option to invest in gold | The Financial Express
    of capital appreciation and interest rates Elaborating on how the Sovereign Gold Bonds are better than physical gold Vidya Bala head of mutual fund research at Fundsindia com said Sovereign Gold Bonds are far superior than physical gold in terms of capital appreciation and fixed income Also holding cost is nil in the case of Sovereign Gold Bonds compared with the physical gold which people prefer to keep in lockers for safety measures The minimum permissible investment will be two grams of gold with the maximum 500 grams per person in a financial year The certificate indicates the amount date and the quantity of gold bought by the investor The interest earned on gold bonds would be taxable and capital gains tax shall be levied as in case of physical gold As the bonds will be listed on the exchanges investors will get an option to exit if volumes traded on the exchange are good Sudip Bandyopadhyay managing director and CEO Destimoney Securities said Sovereign Gold Bonds are a superior option for investors looking to invest in gold Investors are further incentivised with a 2 75 per cent annual interest at the time of maturity This product therefore gives a financial product like return tagged with the appreciation of a gold According to ICICI Securities Sovereign Gold Bonds offer the best alternative to take exposure to gold as it offers additional interest There are no annual recurring expenses as compared to gold ETFs expense ratio in ETF is around 1 per cent and no storage hassle like those involved in physical gold holding First Published on January 20 2016 1 30 pm Tags Gold Bond Scheme Sovere Please Wait while comments are loading More on this story Govt unlikely to mobilise Rs 15 000 cr from gold bond scheme Second issue of Gold Bond Scheme opens today 8 things to know Govt targets temple gold hoard to rescue monetisation plan Report Calculators Tax Calculator House Loan Calculator Financial Planner Inflation Planner Pension Calculator Employee PF Calculator Equity Screener Auto Loan Retirement Plan Savings Investment Guidance Videos BMW 7 series Merc S600 showcased at Auto Expo 2016 Auto Expo 2016 Maruti Suzuki Ignis Baleno RS unveiled Auto Expo 2016 Toyota Innova Crysta MPV makes its India debut Auto Expo 2016 New Hyundai Tucson SUV revealed Galleries IPL 9 auction Market Capitalisation Employment index Vegetable oil import BSE Sensex more PM Narendra Modi inaugurates Paradeep oil refinery Top 10 takeaways Sunny Deol starrer Ghayal Once Again box office collections soar to Rs 14 85 cr by day 2 New Mahindra cars at the Delhi Auto Expo 2016 In the news PM Narendra Modi inaugurates Paradeep oil refinery Top 10 takeaways Sunny Deol starrer Ghayal Once Again box office collections soar to Rs 14 85 cr by day 2 India s biotech moment A made in India Zika virus vaccine Sanam Teri Kasam collections at Rs 1 25 cr Valentine s Day booster shot missing New Mahindra cars at the Delhi Auto Expo

    Original URL path: http://www.financialexpress.com/article/personal-finance/why-sovereign-gold-bond-is-the-best-option-to-invest-in-gold/198797/ (2016-02-08)
    Open archived version from archive

  • How CIBIL keeps an eye on you from your very first credit card | The Financial Express
    had completely forgotten about this card and its existence CIBIL rating is based on the principal that your past treatment of debt is an indicator of how you are likely to behave in the future While often there might be genuine issues that have led to a default or delay there is no way these subjective factors are reflected in the CIBIL score A credit history of at least 6 months or more is required for a CIBIL score Though each single lapse whether it s missed payments or high credit ratio or foreclosing a loan contribute to the final CIBIL score it is important to remember that a lot of parameters over a long period of time are considered If by and large one is careful with his her debt one or more lapses will just be a blip and will not cause any major negative impact on the CIBIL score Since a credit score is calculated using a combination of various factors just being prudent about one aspect and ignoring others can also have a negative bearing on the CIBIL score Harsha had always been careful about paying his credit card bills on time So when his personal loan was denied due to a low CIBIL score he went through his CIBIL report in detail His credit utilization had been high especially in the early days of his career Though he always paid on time but his credit card bill was an average of 35000 40000 for a sanctioned limit of 60000 Credit utilization is a ratio that measures the credit card usage vis à vis the sanctioned limit It is calculated per card and overall also in case of more than one card Not only should it be low overall but for each card also it should be low Despite you always paying time high credit utilization reflects credit hungry behavior When it concerns a credit card remember paying on time keeping a low credit utilization ratio and surrendering cards that are not required or used are the basic requirements if one wants a healthy credit score Also do keep in mind small regular transactions with timely payments are the simplest way to get a credit trail and a good CIBIL score Being careful with credit card usage right from day one is important In our early years of financial independence we might go overboard due to lack of knowledge newly found financial freedom peer pressure or simply because we are careless These small avoidable mistakes continue to follow you for a long time and can dampen your chances of getting future credit You may forget about your mistakes but CIBIL keeps an eye and maintains a record of each and every transaction right from your first credit card By CreditVidya First Published on January 20 2016 12 42 pm Please Wait while comments are loading Calculators Tax Calculator House Loan Calculator Financial Planner Inflation Planner Pension Calculator Employee PF Calculator Equity Screener Auto Loan Retirement Plan

    Original URL path: http://www.financialexpress.com/article/personal-finance/how-cibil-keeps-an-eye-on-you-from-your-very-first-credit-card/198576/ (2016-02-08)
    Open archived version from archive

  • Second issue of gold bond scheme launched: Should you invest? | The Financial Express
    just like the shares of a company and track closely the price of physical gold Each unit of the ETF is equivalent to one gram of gold and it provides an opportunity to investors to accumulate gold over a period of time With the fall in gold prices ETFs have reported 31 straight month of outflows till December last year Unlike gold ETFs liquidity in gold bonds is an issue As gold ETFs are actively traded on the exchanges one can easily liquidate their position any time during the market hours Also pricing of the bonds may be a issue for some investors The value of the gold bond is subject to the volatility of the gold as gold bond can give negative return if gold prices go down Gold ended with negative returns in 2015 for the third year in a row In rupee terms spot gold dropped 6 in 2015 and around minus 8 5 CAGR for the period 2013 15 Analysts expect even 2016 to be no different with gold maintaining its weak trend as the dollar is at its strongest in 10 years Moreover the US Federal Reserve has moved towards tightening the monetary policy after almost nine years and there is a high chance that they will continue to hike rates this year Analysts say this would lead to an increase in demand for dollar and put pressure on prices of commodities such as gold silver oil and copper While gold is known as a hedge against inflation most global economies are in a deflationary mode and the possibility of inflation moving up in the next few months looks very remote Analysts say this will keep gold prices subdued for some time now Indian household savings have moved away from gold to financial instruments For only the third time in the last 15 years bank fixed deposits were the best performing assets last year outperforming equities gold and real estate So the demand for the metal is expected to reduce as households move away from physical investment to financial instruments like fixed deposits bonds equity because of negative returns by gold in the last three years Golden opportunities Gold bonds score over ETFs as the former will earn an interest However unlike gold ETFs liquidity in gold bonds could be an issue Gold ETFs are a convenient way to invest in the yellow metal They are open ended funds that trade on a stock exchange just like the shares of a company and track closely the price of physical gold Each unit of the ETF is equivalent to one gram of gold and it provides an opportunity to investors to accumulate gold over a period of time You will save the expense of locker as a gold bond can be kept in your house or demat account There is no chance of cheating or impurities in the gold bond First Published on January 19 2016 12 06 am Tags Gold Please Wait while comments are

    Original URL path: http://www.financialexpress.com/article/personal-finance/investing-bonding-with-gold-again/197624/ (2016-02-08)
    Open archived version from archive



  •