Saket Kumar Singh

              Stock Market has always seen to be lucrative mostly by middle class who want to earn money fast and in easy way but, in reality looses the most of their savings in it. Loosing in stock market doesnot signifies the loopholes whereas it depicts the level of experience and Patience to be required in this market to get something out of it.  Share market or stock market basically a platform where a buyer and a seller interacts and transacts among them on common agreed rate. The consideration here is the share of a particular company whose price is determined by the buyer and seller and agreed upon on some common transacting figure. When this price is different then bids are being created to arrive on some certain rate which causes the fluctuations in the rates. Rate fluctuation or volatality in the stock market depends upon so many fators such as: 1. Political Change in policies 2. Rumours of trigger in prices in the Market\ 3. Speculatio...

This is a real story of a student. He Was very bright amongst his classmates and always focused for his career.  And more concerned about the path he will choose after his studies. He used to be a finance student Leaving very far from his parents for studies specifically. Because in his home town there is not any arrangements for higher studies for professional studies. While studying he always concerned about, he will not do job after studies. He will do the business which business he was not known. He was totally blank that which business will suit him or which career is suitable for him? So this is the struggle actually going in his mind from starting off there.   But Unfortunately, he had to join the job after completion of his masters in finance.Actually it was his campus placement and he was totally unknown that.After finance , he will have to sell the product as a salesman. He actually joined the office Being thoughtful that he is a finance Student And he will get ...

 Ms. Sahanubhuti, aged 34 years, is working in Mumbai. She is the sole guardian of her only daughter Shambhavi, aged 12 years, pursuant to the death of her husband Manohar, who died intestate, had no siblings and whose parents had predeceased. She is currently residing in a rented house. Her daughter is studying in the 6th Standard. She has approached you, a CFPCM practitioner, for preparing her Financial Plan. She has shared the following financial information with you:   Salary Income (2017-2018): Annual (Rs. lakh)  Basic Salary : 12.00  HRA : 7.20  Conveyance Allowance : 3.00  Special Pay : 8.98  Variable Salary : 8.00  Employee’s Provident Fund : 1.44  Employer’s Provident Fund : 1.44  Regular Outgoings Monthly (Rs.) Basic Household Expenses : 40,000  Services availed : 12,500  School Fees : 12,500  House Rent : 35,000 Power,  Telecom & Fuel : 12,500  Car Loan EMI : 25,585  Other Monthly ...

 In Bihar state, Special Land Survey has begun and will be completed within a year probably in 2025 as per guidelines by the state Government. This Survey is proposed to correct the mistakes of Revisional survey done during 70's . First Survey in India was done during British rule in 1890 era in the name of cadestral Survey after which Revisional survey oraganised to make some correction in favor of land owners during 1972 era. The Recent survey in 2024 is carried to identify the real alive owner of land and the responsible tax payer on that land. Governement is also interested to identify its own land and to take control on those lands which were being captured by locals or land mafia's. This survey will sort out many disputes among the land owners who either purchased or being inherited the property long year back. In most of the cases , the people are just using their land and not paying any taxes or lagaan to the government which is again a big loss to the states in revenue...

  When we talk about loans then first thing to strike our mind is Who & How. we are talking here about the educational loan , which is widely used these days for fulfilling our dreams to study abroad. Most of the parents are sending their wards outside india to get better education despite of starving finacial conditions. Usually , These loans are being provided by Government and Private Banks with an interest rates based on RBI Repo Rate which is slightly differ depending upon various Parameters. In government Banks the process is cumbersome and lengthy but the rates and benefits are more whereas, in Private Banks it is hassle free to make the Premium little upside. To get the loan , one must be between the age group of 16 to 35 and must apply for post graduate, graduate or diploma Professional courses. The applicant should also require the co-applicant as a surety for the banks to recover the amount. This co-applicant can be omitted if and only if the applied course is post g...

 With the cues coming from US markets as Nasdaq declining dragged down by technology stocks while Dow Jones rose marginally on stock Specific Gains. If we talk about Indian equities, it ended lower on this Friday when the post is being written, As invesors booked profits at higher level after record closing in the previous trading sessions to this. Top loosers were Adani Enterprises, BPCL, Ultratech and TaTa Motors etc. Inversely, the top gainers includes, Bharti Airtel Infosys , Adani ports and Hindalco etc. The interbank call money rate ended at 5.75 percent on this Friday whereas, Government Bond Prices ended higher tracking fall in the US treasury yield as discussed earlier. Rupee also ended higher against Dollar on foreign fund inflows and Exporter dollar sales. Crude oik prices fell 56 cents on the exchange on demand growth worries following the strong dollar index. The GST council empowered tax authorities to waive interest and penalties on past tax demands, reduced the pre ...

  Failure is really a Word which itself  shows its Negativity. But, there are few people out there who completely dis own this myth.  When we try to achieve certain goals , do all the possible acts to prove ourselves but, fails to do so then, FAILURE Knocks our Doors. This Failure is not actually the Full stop to your capacity and competitiveness whereas, it shows the ways by which you can not achieve your Aim. So, Change the way not the Goals. Most of our Ideals such as, Bill Gates, Steve Jobs were the failure before their limelight. If they have had thought of getting failed and changing their goals then we could not know them today who they are. They actually learned from their mistakes and corrected them followed with belief and passion for getting success. When we take things casually or not interesting then it looses its importance followed by failure. Failure to be taken as as coach to teach us, How to succed in more better ways, Know the wrong path where not to go...

" Business " is very sensitive as well as demanding concept not for those who are into it but also for those who is willing to get into it. I am not saying to get away from Business by quoting above Phrase but I would differ by saying it should be handle with care. A Business is actually a commitment where A person agrees to devote his precious time and mental focus towards the fulfillment of its fuel to grow. Most of us take Business as an alternative to job such as, if I am not suitable for job or if I am not getting any job then, Business is the Plan B. But actually we ignore to accept Either it us Job or Business, we all have to perform certain roles towards some common team goals. If we can't focus on those and if we can't align our doings towards it then eventually it will ruin our Business too. This doesn't mean that Both are the same and Unfit for Job is unfit for Business also. There are certain parameters on which you should assess yourself before quitti...

  NISM or National Institute of securities Market , Conducts an Examination in the name of Mutual Fund Distribution Certification Series V A. The Exam being conducted at various centres through out the country to enable Independent Financial Advisors and Corporate Advisors to get the eligibility for selling mutual Funds to indisvidual Investors. The Idea behind this is to verify and test the qualification and credibility of an Advisor who would be responsible for advising someone regarding his/her hard earned Money. AMFI in addition to SEBI Guidelines Mandated to get this certifcation before advising someone to invest in mutual Fund schemes. This Exam is conducted in different slots of Two hours each in which a candidate is required to answer 100 odd questions. The passing marks turns to be 50% only. The good thing is that, there is no negative marking so, Each and every question can be attempted. Questions in this being set comprising a blended mixture of calculation and theoritic...

  When we talk about any investment, always a thing comes in our mind which is " where to Invest " . This is actually a matter of fact because this is a question whose answer is different for every investors depends specifically on the category and priorities we give to our wants to decide on avenues to invest in. Looks very Complicated ! Let me make it clear. We are Human Beings and our Needs are limitless and unsatisfied. we set priorities and timeline for the wants to be satisfied within a stipulated timeframe. For every want, there is a kitty to justify. Example: For an Old aged Person, His savings are more important and would require in a very short time do he prefer to put it into Fixed Deposits with Banks and NBFC's. Similarly, For a Young Investor, this time horizon stretches so he put his money with different riskier avenues such as stocks and Equity. Riskier here does not only signifies the equity market only because it is associated with all investment avenues ...

  Trading is of two types- Cash & Margin Trading. In margin trading we require some margin amount to trade but in contrary to this Cash Trading Provides the trader, an oppurtunity to trade from the only cash he/she is having in trading account. For Cash or any trading, a trader needs to have three things: 1. Bank account 2. Trading account 3. Demat account All the three have different purpose for which it has been designed. Bank account requires to be linked to trading account so the money could be settled in that account while executing the trade. Trading account for a trader ensures the platform where he use to trade in different stocks being available for trsde in secondary market. Demat account relates to the place where the stocks being kept after settlement. its the vault of owned stocks for a trader or investor. Cash trading is considered to be the wise decision specifically for new or beginner because it has no time boundation as of intraday trading. Here the trader can...

  FDI vs FII Both FDI and FII is related to investment in a foreign country. FDI or Foreign Direct Investment is an investment that a parent company makes in a foreign country. On the contrary, FII or Foreign Institutional Investor is an investment made by an investor in the markets of a foreign nation. In FII, the companies only need to get registered in the stock exchange to make investments. But FDI is quite different from it as they invest in a foreign nation. The Foreign Institutional Investor is also known as hot money as the investors have the liberty to sell it and take it back. But in Foreign Direct Investment, this is not possible. In simple words, FII can enter the stock market easily and also withdraw from it easily. But FDI cannot enter and exit that easily. This difference is what makes nations to choose FDI’s more than then FIIs. FDI is more preferred to the FII as they are considered to be the most beneficial kind of foreign investment for the whol...

 " How was your leave, How you felt , Are we ready to Commence , Could we charge up again  , Should we pump up the Fuel." The phrase above should be the expecting punch by the organisation to it's Employee when he/ She returns back from holiday but as we get the damn down faces with a heinous crime scene being created. We got ignored to some extent by the HR and by our superiors for not being regular and for being relaxed as it was not meant to us while working for them. They expect us to rub our back regularly without any break and our own priorities should go worse day by day. The fact is clear that, every person either on middle ,lower or top management.  Every human being needs a break not necessarily on regular basis but atleast a long break once a year to fuel up their performance or recharge themselves. If we ignore the fact the job is created to make the life comfortable by creating earning source. But we are making jobs sceptic these days. " WORDS OF ONE KNO...