A lot of you reply to the daily emails with suggestions for posts, and I really appreciate that because it gives me post ideas, and I can write about stuff that is most relevant to you.
Normally, I take the gist of your suggestion; create a title of the post, and note it down on a virtual sticky note. But, the issue with this is that it is easy enough to miss an email, and sometimes the titles on the sticky notes don’t make any sense to me when I look at them later on.
So, I am creating a page here that is specifically for your suggestions for posts. You can leave a comment here suggesting an idea for a post, and if I know enough about the topic I will write about it.
That way we won’t lose track of anything you say, and if multiple people suggest the same topic for a post then I know that it should be written prior to moving on to other things.
Thanks for reading – and writing!
future prospects of INDIABULLS POWER LTD. shares at ipo price of 45 it is as low as 12 what to do should we average it, hold and watch or exit
I’m sorry I don’t write about individual stocks or what direction they may take.
I want explanation on ” why stock market is negatively co-related to Rupee depreciaton” whereas rupee depreciation is good for our exporters!
Hmmm very interesting….I can write about that, will make for a fun topic.
Hi Manshu
Can you write on how good the investment on real-estate is? And if it is a good investment option?
Regards
That largely varies from one area to another and also what your financial position is like as well as what other investments you may have. I can write a generic post on this for sure but not sure how useful that will ultimately turn out to be. Thanks for the suggestion though.
Can we have a dedicated center for providing current information on Debt instruments (Traded debentures, Bonds, Tax Free Bonds).
Benefits of investing in government stock. Are there tax benefits?
Dear Manshu
While you and your blog have dealt very well on the options of fixed deposits , it may be worthwhile to start a thread of discussion on investing in short-term mutual funds. This is particularly worth considering in view of the tight liquidity in the financial market and subsequent high yields on short term bonds and securities.
Thus if you could start a discussion and offer your valuable views on Funds that offer good safe returns with option of immediate withdrawal , it would be worthwhile for investors like us who do not want to park their funds in the saving schemes of banks giving very low interest rates at present.
As I have commented earlier that I often refer to yr blog for sound financial advice —recent being on LIC’s Jeevan Vriddhi and on IDBI;s NFO
–s gopal
Hi
I was going through Budget 12-13 Budget at a glance document downloaded from Fin Ministry website.
Also, i was mentioning that, they have mentioned yearly GDP growth of 14% in the document.
As far as my understanding:
(a) GDP for 12-13 is Rs 10159884 Crores (as against Rs 8912179 crores of 2011- 12). The
increase is working 14%
(b) However, Projected GDP growth for 12-13 is around 7% only. But what is this 14%.
(c) Fiscal deficit is 5.1 % of GDP. Here the GDP figure taken for reference is Rs10159884
(Fisc Deficit/GDP = 5.1% => 513590 / 10159884
In nut shell, GDP for 12-13 is given as Rs10159884 (which is 14% over 11-12). For expressing
all items as % of GDP figure taken is Rs 10159884.
Sure, I am missing out something. Clarify, when free, where my understanding is wrong.
I am not able to attach the document I am referring but you can check that document in the below given link.
http://indiabudget.nic.in/glance.asp
Please clarify.
Excellent analysis of various financial topics …have often referred to yr blog and have got valuable advice….very balanced and comprehensible language
—s gopal
Thanks for the great comment! Much appreciated!
Manshu, why dont you analyze and throw some light on the Junior BeEs that gives a feeler of safe and attractive returns? thanks !
If i want to invest in company fixed deposit scheme. Please tell what parameters should i check before investing in… and can you review companies like Jaipraksh Associates, Jaypee Infratech ltd. , Network 18 & Premier Ltd.?
That’s a fairly vast topic and I’m not sure if I will be able to cover everything but let me try to put down some thoughts on it.
I want to know in what way NCDNon convertible dennures are risky. Whether we should invest in NCD which generally gives a returnof 12-13% per anum and whether this return is guaranteed during the entire period for which NCD are issued
It depends on the company that issued them. They are not secure like banks because in India banks have hardly failed but companies go bust from time to time and if a company does go bust then your NCD may not get paid or may not get paid in full. For example, if Kingfisher were to come out with a fixed deposit scheme then you’re better off staying away from that because of the risk to the company’s future itself.
Hi Manshu,
I have been with the industry for almost 7 years. I sold all financial product like anything. But over a year I realised that I need to develop me as a person who has a thought process, not like a machine who works on instruction. Its almost more than two year I had bee working on this direction and I got the booster when I visited your site. Frankly speaking it was my dream to meet and read the articles which matches my thought process. Many things I learned from your blogs and update. I am facing a very big resistance from the retail investor and many friend who are into the advisory segment. Kindly advise what is the best way to educate a retail investor who can educate ten others.
Because what i feel the problem with spreading the financial awareness is nobody knows how to spread it.
Kindly share your views on it.
You tell your investor to read this blog! đ
Hi Anu, I think this is a big challenge while you’re doing a job, and are bound by targets and performance expectations of your boss and others whose ideas may not be aligned to yours. The people that I’ve seen spreading financial awareness successfully are all doing it on their own.
And then you should recognize that not everyone will align to what you are saying and should be willing to turn back some people who you think will not find value out of the way you approach investments. For example, I often ask people who talk about trading to look for information on Moneycontrol or other sites because this is not a good fit for them and I don’t want that kind of audience on this site.
What exactly do you do right now?
Hi Manshu,
Can u please analyse the sayings given in the book “rich dad poor dad” ?
How much are relevent today to a middle class service doing Indian citizen.
Kartavi.
Hi Kartavi, This is certainly an interesting comment and while I’ve read the book a few years ago and found parts of it useful I don’t know how to address what you are saying in a post. Perhaps a better idea will be to look at a concept and say how relevant that is rather than think of the book as sayings. What do you think? Can you think of any concept like that?
what are various instruments available to raise fund for real estate projects?
Not aware of those and will not be able to write a post on that. Sorry.
X is a Employee of a US company, doing a project of its US company in India for a period of 60 days, getting salary form his US employer both in his US account and Indian account.
Please let me know the do he need to file tax return in India? if yes, which amount would be included in the return ?
Thanks !!
Sorry Reshma – I’m not very well versed with taxation issues and won’t be able to answer this.
Reshma
For your question , I have a few questions for you
1. Is X a Indian Citizen ?
2. Is X resident of India ?
3. Is X a Indian Citizen, and stayed in India for 182 days or more in the previous year ? This is to be done to find out the residential status of X ? There are some other conditions also but first I would like to check the basic condition.
If X is a resident in India as per the above mentioned rule, he has to file return in India for any income earned in India and outside India. If X is Non-Resident, then he has to file return in India for the Income earned only in INdia.
Some may argue that Income Tax Return has to be filed only if the tax has to be paid or income is more than the taxable limit. But it is better to file the NIL return also.
If anybody differ from my views, Please explain in detail.
Hi
On 22nd March 2012, I read a news about Home Loan.
Customers who have taken home loans from HDFC under the dual rate scheme are facing a peculiar problem. From AprilââŹâ˘1 , once their rates shift from Fixed to floating , their floating rate will be higher than the current floating rates, due to higher spreads.
Currently, HDFCââŹâ˘s floating rates vary between 10.5 to 11 per cent, depending on the amount. For customers whose loans become floating from AprilââŹâ˘1 , the rates could be in the 11. -12 per cent range, due to higher spreads over the RPLR ( Retail Prime Lending Rate ).
Here, my question is what is higher spreads and why conversion floating rate will be higher than the current floating rates, due to higher spreads ?
Manshu, you already said you will check and comeback. I also request the readers your site to explain this puzzle.
Please explain.
Thanks in advance.
I’m sorry I couldn’t get to it and now I can’t seem to find the link to the news story. Can you paste that link here please? I will read that and answer you.
Hi
I have a basic or silly doubt. Please bear with me.
I have been holding L & T shares for the last 7 years and I bought these shares for various reasons. One of the reason is I would get shares from subsidiary companies of L & T if it get listed in stock exchanges. But when L & T Finance Holdings came for IPO , I didnââŹâ˘t apply for the IPO and being L & T shareholder I thought that I would few shares of L & T Finance but it was not so. Suppose, if L & T Infotech gets listed in future, whether I would get any shares of L & T Infotech for being the shareholder of parent company L & T .
Kindly explain me in detail why I didnââŹâ˘t get shares of L & T Finance Holdings ? Is it because of IPO of L & T Finance Holdings ? If anyboy say or believe with valid reasons that I should have got L & T Finance Holdings shares automatically being shareholder of L & T , then can I approach L & T Finance Holdings now ? If it had not come for IPO, whether I would have got shares of L & T Finance Holdings ? In future, whether I would get shares of L & T Infotech ?
Thanks in Advance.
Regards
When a holding company sells or divests their stake – you don’t get shares automatically being the owner of shares of the parent company. You will not get these shares in future either. You are a shareholder of the parent company, and the parent company got cash instead of its shares.
You would’ve gotten shares if there was a merger or a takeover or something like that.
Hi,
what is RBIs Repo rate? and what is the real effect on common man by today’s (17/4/2012) RBIs Repo rate cut by 50BPS?
Just google ââŹĹwhat is repo rateââŹÂ and you will get your answer.
One link http://www.livemint.com/2012/04/17202349/Did-You-Know–How-can-repo-ra.html
As far as effect on common man is concerned, banks will reduce their lending rates, so loan will be cheaper (by 25 bps in most cases) and will also reduce their deposit rates, so you will get less on your deposits (mostly by 25-50 bps).