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SPICE UP YOUR PORTFOLIO WITH MASALA BONDS

Spice Up Your Portfolio With Masala Bonds Masala bonds, or offshore rupee bonds or rupee denominated bonds, add a unique flavour to the bouquet of investment choices available to global investors. These bonds are rupee-linked and issued in markets outside India. Usually issued for 10 years in overseas markets and settled in US dollars, masala bonds are used to raise rupee loans for domestic companies from foreign investors. Foreign investors who have an eye on India in terms of investment can park their funds in these bonds without any direct exposure. Features of masala bonds For long, many Indian companies...more
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DECEMBER SETS THE TONE FOR NEW ECONOMY

December Sets The Tone For New Economy December seems to be an action-packed month with the winter session of parliament lined up on GST and Land bill while the Fed meeting is lined up on the international front. Whichever way these events unfold, it will have a direct impact on the markets in the fast approaching new year Step back to mid-2013 when the Indian economy was fragile and the Fed threatened to taper Quantitative Easing (QE), India went through a pretty rough time—currency went down 20%, equities went down in high double digits. Cut to 2015 and India is...more
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What Happens When You Cannot Repay Your Home Loan

What Happens When You Cannot Repay Your Home Loan? If a job loss or illness has prevented you from paying your EMIs, there are many ways to tackle the issue including asking the bank to restructure your repayment to reduce the monthly EMI by extending the loan tenure Owning a house is a dream for an average person. One can generally not own a house without borrowing either from friends and relatives or by taking home loan especially in metro cities. While buying the house, especially the first house, a person stretches himself financially and exhausts all his savings. He...more
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FATCA will soon become Mandatory

FATCA will soon become Mandatory We all come across issues and ideas related to the world of finance that sound Greek and Latin. Worry not. We are here to guide you through the maze FATCA will soon become Mandatory FATCA has been the talk of the country for the past couple of months. Most of the Indian investors would have heard this term but not sure about the regulations surrounding it. If you are among them, here’s the lowdown on FATCA. What is FATCA? India and the US have signed an inter-governmental agreement in order to implement the concept of...more
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ALERT: ECONOMY ON A MODIFICATION MODE

Alert: Economy on a MODIfication Mode Whatever be the criticism of the current government, it has not so far deviated from its agenda on long term development. No doubt it has stumbled in its inability to take along the opposition and hasn’t cut much ice in areas like APMC and labour reforms. However, Modi’s government has shown urgency in pushing hard on all other fronts Developments post Bihar election was the best that could have happened for the country. No, this is not about the election results or tolerance; this is about the reform measures taken by the government post...more
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INVESTMENT LESSONS FROM THE GAME OF FOOTBALL

Investment Lessons from the Game of Football Like in this game of double and dribble, staying on the defensive, going for an all-out attack and staying realistically optimistic holds good when you are playing with your money as well The game of investing is a lot like football. You have to tackle your problems, block your fears and score your points when you get the opportunity. Tactical analysis and planning have become essential in football as well as investments. Managers and investors in both these fields need to be on top of their game to ensure that all their efforts...more
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SIX FINANCIAL SECURITY STEPS FOR SINGLE WORKING MOMS

Six Financial Security Steps For Single Working Moms The shift from double income to single impacts everything from your savings to the standard of living Being a single parent, the entire responsibility of taking care of your family and keeping them financially secure rests on your shoulders. This can be challenging if you are a single working mother. The cushion of falling back on your partner’s income does not exist anymore. The shift from double income to single impacts everything from your savings to the standard of living. The situation is worse if your partner was the one who made...more
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SHOULD MARKET VOLATILITY DICTATE SALE OF YOUR INVESTMENT?

Should Market Volatility Dictate Sale of Your Investment? Most fund managers, in an effort to spike the return, even take a higher exposure in equity. But, you rebalance your portfolio when it turns riskier and market is volatile As we write this, the Sensex is down around 13% (25,863 points) from its peak of 29,681 points that was reached on 29th January, 2015. The volatility has been rather pronounced from the beginning of the year and investors are nervous. Over this time, there have been various reasons being ascribed for this volatility – ranging from the tax authorities wanting to...more
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HIGHER LTV RATIO MEANS AFFORDABLE HOMES?

Higher LTV Ratio Means Affordable Homes? The central bank has increased the LTV for housing loans to 90% for borrowers whose property value is not more than Rs 30 lakh If falling interest rates and bank festive home loan schemes were not good enough reasons for you to take a home loan, the Reserve Bank of India has made an announcement recently that could make borrowers ecstatic. As per the new announcement, the central bank has increased the Loan-To-Value ratio (LTV) for housing loans to 90% for borrowers whose property value is not more than Rs 30 lakh. Earlier, this...more
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The Significance of Muhurat Trading During Diwali

The Significance of Muhurat Trading During Diwali Muhurat trading is the stock market trading activity for an hour on the auspicious occasion of Diwali (Deepawali). The culture of muhurat trading is derived from Gujurati’s who are most dominant investors on Dalal Street. This trading session is held in the evening on Diwali day. The practice of muhurat trading has been retained and observed for ages. The time of the muhurat trading is specified by the stock exchange. A nominal trading time is allowed. Usually, the Sensex closes on a higher note on the muhurat trading day. The investors on Dalal...more
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