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Monday, 23 November 2015
Monday, 7 September 2015
What is a SIP? How does it work?
A Systematic Investment Plan or SIP is a smart and hassle free mode for investing money in mutual funds. SIP allows you to invest a certain pre-determined amount at a regular interval (weekly, monthly, quarterly, etc.). A SIP is a planned approach towards investments and helps you inculcate the habit of saving and building wealth for the future.
How does it work?
A SIP is a flexible and easy investment plan. Your money is auto-debited from your bank account and invested into a specific mutual fund scheme.You are allocated certain number of units based on the ongoing market rate (called NAV or net asset value) for the day.
Every time you invest money, additional units of the scheme are purchased at the market rate and added to your account. Hence, units are bought at different rates and investors benefit from Rupee-Cost Averaging and the Power of Compounding.
Rupee-Cost Averaging With volatile markets, most investors remain skeptical about the best time to invest and try to 'time' their entry into the market. Rupee-cost averaging allows you to opt out of the guessing game. Since you are a regular investor, your money fetches more units when the price is low and lesser when the price is high. During volatile period, it may allow you to achieve a lower average cost per unit.
Power of Compounding Albert Einstein once said, "Compound interest is the eighth wonder of the world. He who understands it, earns it... he who doesn't... pays it." The rule for compounding is simple - the sooner you start investing, the more time your money has to grow. Example If you started investing Rs. 10000 a month on your 40th birthday, in 20 years time you would have put aside Rs. 24 lakhs. If that investment grew by an average of 7% a year, it would be worth Rs. 52.4 lakhs when you reach 60. However, if you started investing 10 years earlier, your Rs. 10000 each month would add up to Rs. 36 lakh over 30 years. Assuming the same average annual growth of 7%, you would have Rs. 1.22 Cr on your 60th birthday - more than double the amount you would have received if you had started ten years later!
Other Benefits of Systematic Investment Plans
Rupee-Cost Averaging With volatile markets, most investors remain skeptical about the best time to invest and try to 'time' their entry into the market. Rupee-cost averaging allows you to opt out of the guessing game. Since you are a regular investor, your money fetches more units when the price is low and lesser when the price is high. During volatile period, it may allow you to achieve a lower average cost per unit.
Power of Compounding Albert Einstein once said, "Compound interest is the eighth wonder of the world. He who understands it, earns it... he who doesn't... pays it." The rule for compounding is simple - the sooner you start investing, the more time your money has to grow. Example If you started investing Rs. 10000 a month on your 40th birthday, in 20 years time you would have put aside Rs. 24 lakhs. If that investment grew by an average of 7% a year, it would be worth Rs. 52.4 lakhs when you reach 60. However, if you started investing 10 years earlier, your Rs. 10000 each month would add up to Rs. 36 lakh over 30 years. Assuming the same average annual growth of 7%, you would have Rs. 1.22 Cr on your 60th birthday - more than double the amount you would have received if you had started ten years later!
Other Benefits of Systematic Investment Plans
Disciplined Saving - Discipline is the key to successful investments. When you invest through SIP, you commit yourself to save regularly. Every investment is a step towards attaining your financial objectives.
·
Flexibility - While it is advisable to continue SIP investments with a long-term perspective, there is no compulsion. Investors can discontinue the plan at any time. One can also increase/ decrease the amount being invested. ·
Long-Term Gains - Due to rupee-cost averaging and the power of compounding SIPs have the potential to deliver attractive returns over a long investment horizon. ·
Convenience - SIP is a hassle-free mode of investment. You can issue a standing instruction to your bank to facilitate auto-debits from your bank account. SIPs have proved to be an ideal mode of investment for retail investors who do not have the resources to pursue active investments.
Flexibility - While it is advisable to continue SIP investments with a long-term perspective, there is no compulsion. Investors can discontinue the plan at any time. One can also increase/ decrease the amount being invested. ·
Long-Term Gains - Due to rupee-cost averaging and the power of compounding SIPs have the potential to deliver attractive returns over a long investment horizon. ·
Convenience - SIP is a hassle-free mode of investment. You can issue a standing instruction to your bank to facilitate auto-debits from your bank account. SIPs have proved to be an ideal mode of investment for retail investors who do not have the resources to pursue active investments.
Friday, 14 August 2015
LIST OF TOP 20 ONLINE ECOMMERCE SITES IN INDIA @##@#@##@#
With people becoming busy with their work and commitments, they are left out with only a little spare time. In addition, with wide availability and usage of smart devices, people find internet as the easiest medium to meet their requirements. This has given immense popularity to online shopping sites in India, numerous online shopping websites are flaunting best deals to lure buyers. WebsiteBuilder.comAccording to Wikipedia, India ranks at position number three for shopping online and using credit card for online transaction. Indian netizens are now third biggest users of credit cards for making online purchases globally and they are next only to the netizens of Turkey and Ireland. If you also want to make online purchases and want to know about the best sources, you have visited the right place. Here you will find information about top online shopping sites in India. The best list of online shopping sites along with brief reviews mentioned below:
FLIPKART
Flipkart.com is the most popular of all Indian online shopping companies, offering genuine products to people. They have huge stock of innumerable products like clothes, music, electronics, books, health products, kid’s toys and accessories, perfumes, games, movies, home appliances, shoes, stationeries and many more things.
The shopping website offers great advantage of faster product delivery and free shipping on ordered products for more than Rs.500. Customers also enjoy the privilege of exceptional services like payment on delivery or ‘cash on delivery’. They can also pay on a monthly basis, as EMIs. In case any customer is not satisfied with the products, he or she can even return them and get entire payment back. As one of the notable online shopping companies in India, Flipkart also offers 30-day replacement policy. All types of Visa and Master Debit or Credit cards are accepted to initiate the online transaction system. Dedicated delivery partners of Flipkart take the responsibility for timely product delivery at mentioned addresses.
JABONG
Jabong
Jabong.com is certainly in the acclaimed list of online shopping websites in India. One of the best customer support services I found in India. The online shopping website is highly popular in offering best quality products of reputed brands. Customers can cater to a wide variety of fashion apparel, footwear, accessories and even jewelries. They have huge collection of all mentioned items for women, kids and men.
The online shopping website strives best to offer highest shopping satisfaction over the internet to all customers from a wide region. They even use cutting-edge technology on their online shopping platform to make it swift for surfing through various product pages. In addition, highly experienced support team provides exclusive service for consumers and tries to solve almost all problems, if any situation demands. Jabong.com is one of the fastest growing online shopping portals offering reliable, trendy and stylish products according to taste of reigning period and fashion concerns of people. They are highly popular as an online shopping portal offering best prices with exclusive discount offers.
AMAZON
Amazon.in
Amazon is one of the most reputed name in the world of online shopping for products like ebooks, electronics and others items. The Amazon India website and it services are being tweaked for India and its hugely growing online shoppers. Amazon.in is operated by Amazon Seller Services Private Ltd, an affiliate of Amazon.com, Inc. is a Fortune 500 company based in Seattle, that opened on the World Wide Web in July 1995; and today offers Earth’s Biggest Selection. They are committed to ensure 100% Purchase Protection for your shopping done on Amazon.in so that you can benefit from a safe and secure online ordering experience, convenient electronic payments and cash on delivery, easy returns, Amazon’s customer service with 24×7 support, and a globally recognized and comprehensive purchase protection provided by Amazon’s A-to-Z Guarantee.
You can find this Fulfilled by Amamzon badge on many product pages. This specifies that the Orders are eligible for FREE Delivery and can be placed using Cash on Delivery. It is being mentioned by Amazon India that the orders which contains products worth Rs 499 or more are only eligible for FREE delivery. In my opinion Amazon have introduced almost all the practical, useful and cool facilities and features on its Indian counterpart. If you have purchased from Amazon India, please share your experiences. You can also share your feedback on the website.
EBAY
eBay.in
The world’s largest shopping mall on the Internet. eBay is an online marketplace, where individuals and businesses come together to buy and sell almost anything. You can find everything on eBay. Mobile phones, digital cameras iPods, t-shirts, shoes, candles, furniture, jewellery, watches, handicrafts, kurtas, laptops, perfumes, computers, microwave ovens, toys, baby products, weighing scales, and much more. There are many ways to buy, so you can choose the format that is best for you. Make an instant purchase for products at a fixed price with Buy It Now button. Bid using the exciting auction-style format at the price you are willing to pay. If you are the highest bidder you get the item at your price. If you can’t find what you want, let sellers know – Post a Want It Now!
You can Buy and Sell with Confidence. eBay’s Feedback system is very popular. Members rate each other based on their experience during a transaction. This is the easiest way to check a member’s reputation before you trade with them. Using eBay’s Buyer Protection Program, eBay covers your purchases up to Rs. 50000* (for PaisaPay transactions and up to Rs. 10,000 for non-PaisaPay transactions. eBay’s Dispute Resolution Center is also very well known. They can help you resolve any issues with your trading partners.
SNAPDEAL
Snapdeal
Snapdeal.com started their online business platform in 2010 under the leadership of Rohit Bansal and Kunal Bahl. Presently, they are placed at favorable positions on the list of online shopping sites in India. They offer widest range of products – lifestyle, fashion apparel, accessories, electronics, games, eateries, chocolates, grooming, books etc., for both men and women. The online shopping platform has their service in more than 50 cities across India and also has a record 15 million registered users in the country. The website features more than 3000 brands – national, international and even less famous yet offering quality products. The online store has more than 200 categories featuring more than 250000 products listed with them. More than 25000 products are sold every day.
Snapdeal has close ties with reputed courier services that help in faster home delivery process. They even offer free return policy of products, if they fail to meet the expectations of customers. Unlike other Indian online shopping companies, they initiate complete refund and even additional courier charges that the consumer bears, if any, while returning the products in an undamaged and unused condition.
MYNTRA
Myntra
A one-stop online shopping portal, myntra.com caters to fulfill all requirements pertaining to lifestyle and fashion products. The company is counted in the list of online shopping sites raging the country recently. They even offer variety of branded products through the online shopping portal. They are primarily reasonable to make online consumers conscious about brand value of different products of daily utility.
From its introduction into the online business world, myntra is dealing in exclusive choices of accessories, footwear, cosmetics and apparel from more than 500 reputed international and Indian brands. Notable among them are Biba, Adidas, Inc5, Puma, Nike, United Colors of Benetton etc. The online shopping portal is reputed to offer more than 3000 styles of products, fitting requirements of all valued consumers. The customer support service and process of home delivery are one of the swiftest in the business world. They are also one of the leading Indian online shopping companies offering guaranteed 30-day free return of goods from doorsteps of consumers in case of unsatisfactory service.
NAAPTOL
Naaptol
Naaptol.com is one of the fastest growing top ecommerce sites in India. The company was founded on 2008 under Manu Agarwal. Initially the company served as a search engine to provide comparison of product prices and offer services for product research. A year later, they emerged to be an online marketing platform and were able to create a furor in the market. With plenty of items in store, like cameras, tablets, home appliances, mobiles and others Naaptol saw a whopping turnover of more than Rs.10 crore in 2009-10.
One of the top ecommerce websites in India, Naaptol initiates faster delivery of all ordered products. However they charge a small amount of shipping charges, based on the distance the parcel is addressed. Naaptol also offers alluring points to online customers on ordering different products, which can also be utilized to get attractive discounts at a later stage. All products are genuine. Naaptol reserves the right to declare products eligible for return and refund in case a dissatisfied consumer takes up the case with customer representatives of the company over telephone within 2 days of receiving their orders.
INFIBEAM
Infibeam
Infibeam.com is a growing online ecommerce platform having their headquarter at Ahmedabad in Gujarat. The online shopping website especially deals in automobiles, electronic goods, books and lifestyle products. They initiated online business since 2007 and have an employee base of more than 1300. The online retail store is highly popular among prominent list of online shopping websites in India due to their authentic products.
The website also features images with higher resolution and functional zoom tool that eventually helps to visualize every product in minute details. They even offer in-depth information about the technical specifications of products making it easier for online consumers to choose their desired items easily. Infibeam is highly popular due to an innovative scheme of Magic Box that offers enticing deals through the initiative of BuildBazar. BuildBazar is able to boast implementation of over 10,000 operative stores across internet platform. Magic Box is activated every midnight and offers two dreamy deals on products from Infibeam.com, one of the notable online shopping portals.
Simbla.com
HOMESHOP18
Homeshop18
Homeshop18.com is a popular online merchandise catering to fulfill major electronics and household items for online consumers across major locations of the country. One of the most popular online shopping companies in India, Homeshop18 even offers wide collection of fashion apparel at high discounts. They showcase more than 1500 products under Indian and even international brands. The company has close contractual ties with major courier service providers to deliver ordered products across 3000 locations.
The online retail store has been a major attraction for consumers across the country due to authenticity of products. They even offer pleasant visuals of products – including detailed videographic demonstrations and images from a wide range of angles. The online shopping website even offers a wide range of payment option, including net banking, online credit or debit card transaction and facility of cash-on-delivery. Homeshop18.com, like most reputed Indian online shopping companies, even guarantee 100% money back offer, in case of consumer dissatisfaction and if the product is returned unused and undamaged within 2-days of delivery.
SHOPCLUES
Shopclues
A reputed online shopping retail website having headquarter in Gurgaon, Shopclues.com maintains more than 12,000 merchants who are registered with the company. It is one of the top ecommerce websites in India, which deals in more than 2 million products. They guarantee authenticity of products, warranty and even ensure lowest price. They even have a record of catering to more than 42 million online visitors. The company has even more than 350 registered employees across the country. They offer wide range of branded products to consumers from every corner of the country.
Shopclues.com initiate free delivery services at the doorsteps of customers through reputed courier services to nearly 10,000 cities across the country. They even initiate a 30-day return guarantee if unable to meet customer satisfaction. One of the leading online shopping companies in India, Shopclues.com accepts online payment through major credit and debit cards, including net banking services. The online shopping website service employs more than 400 personnel for effective handling of the business and is even funded by national institutional investors.
INDIATIMES SHOPPING
Indiatimes-shopping
Shopping.indiatimes.com now tops the list of online shopping websites in India. The site mostly deals in electronic gadgets. What is special about this online shopping site is that the owners offer discount on varied electronic gadgets on the eve of different festivals. The site is quite user friendly and can be accessed from hi-tech mobile phones easily. People can visit the site to purchase both new and used mobile phones of reputed brands at considerable price. Along with electronic gadgets, site owners are also now retailing fashion jewelries, books, lifestyle products etc.
Shopping.indiatimes.com introduces special deals, coupons to help customers purchase attractive appliances within budget. As diwali is approaching, it is the perfect time to visit the site to purchase expensive gadgets like laptops, computers, Smartphones within budget. Shipping facilities and customer care service of the site is noticeably different. This is one of the online gadget shopping sites that offer EMI facility to customers.
REDIFF SHOPPING
Rediff Shopping
Shopping.rediff.com is among the top India online shopping companies where daily thousands of customers visit to purchase different products. It is a one-stop solution that retails everything – from daily-needed objects to exclusive apparels manufactured by top international brands. A huge number of customers visit the site to purchase attractive gift hampers. The site is now dealing with more than 250 brands, both national and international to provide customers wide range of products from the house of top manufacturers.
The site owners follow only one mode of transaction- cash on delivery, in order to keep up good relation with clients. The owners often to help customers in purchasing expensive articles at considerable price introduce special deals or coupons. The site was introduced in the year 1999 and is operating quite successfully and creating loyal consumer base. Present visitor rate for the site is 89.1%. Shopping.rediff.com is a competitor of flipkart.com and junglee.com.
FLIPKART
Flipkart.com is the most popular of all Indian online shopping companies, offering genuine products to people. They have huge stock of innumerable products like clothes, music, electronics, books, health products, kid’s toys and accessories, perfumes, games, movies, home appliances, shoes, stationeries and many more things.
The shopping website offers great advantage of faster product delivery and free shipping on ordered products for more than Rs.500. Customers also enjoy the privilege of exceptional services like payment on delivery or ‘cash on delivery’. They can also pay on a monthly basis, as EMIs. In case any customer is not satisfied with the products, he or she can even return them and get entire payment back. As one of the notable online shopping companies in India, Flipkart also offers 30-day replacement policy. All types of Visa and Master Debit or Credit cards are accepted to initiate the online transaction system. Dedicated delivery partners of Flipkart take the responsibility for timely product delivery at mentioned addresses.
JABONG
Jabong
Jabong.com is certainly in the acclaimed list of online shopping websites in India. One of the best customer support services I found in India. The online shopping website is highly popular in offering best quality products of reputed brands. Customers can cater to a wide variety of fashion apparel, footwear, accessories and even jewelries. They have huge collection of all mentioned items for women, kids and men.
The online shopping website strives best to offer highest shopping satisfaction over the internet to all customers from a wide region. They even use cutting-edge technology on their online shopping platform to make it swift for surfing through various product pages. In addition, highly experienced support team provides exclusive service for consumers and tries to solve almost all problems, if any situation demands. Jabong.com is one of the fastest growing online shopping portals offering reliable, trendy and stylish products according to taste of reigning period and fashion concerns of people. They are highly popular as an online shopping portal offering best prices with exclusive discount offers.
AMAZON
Amazon.in
Amazon is one of the most reputed name in the world of online shopping for products like ebooks, electronics and others items. The Amazon India website and it services are being tweaked for India and its hugely growing online shoppers. Amazon.in is operated by Amazon Seller Services Private Ltd, an affiliate of Amazon.com, Inc. is a Fortune 500 company based in Seattle, that opened on the World Wide Web in July 1995; and today offers Earth’s Biggest Selection. They are committed to ensure 100% Purchase Protection for your shopping done on Amazon.in so that you can benefit from a safe and secure online ordering experience, convenient electronic payments and cash on delivery, easy returns, Amazon’s customer service with 24×7 support, and a globally recognized and comprehensive purchase protection provided by Amazon’s A-to-Z Guarantee.
You can find this Fulfilled by Amamzon badge on many product pages. This specifies that the Orders are eligible for FREE Delivery and can be placed using Cash on Delivery. It is being mentioned by Amazon India that the orders which contains products worth Rs 499 or more are only eligible for FREE delivery. In my opinion Amazon have introduced almost all the practical, useful and cool facilities and features on its Indian counterpart. If you have purchased from Amazon India, please share your experiences. You can also share your feedback on the website.
EBAY
eBay.in
The world’s largest shopping mall on the Internet. eBay is an online marketplace, where individuals and businesses come together to buy and sell almost anything. You can find everything on eBay. Mobile phones, digital cameras iPods, t-shirts, shoes, candles, furniture, jewellery, watches, handicrafts, kurtas, laptops, perfumes, computers, microwave ovens, toys, baby products, weighing scales, and much more. There are many ways to buy, so you can choose the format that is best for you. Make an instant purchase for products at a fixed price with Buy It Now button. Bid using the exciting auction-style format at the price you are willing to pay. If you are the highest bidder you get the item at your price. If you can’t find what you want, let sellers know – Post a Want It Now!
You can Buy and Sell with Confidence. eBay’s Feedback system is very popular. Members rate each other based on their experience during a transaction. This is the easiest way to check a member’s reputation before you trade with them. Using eBay’s Buyer Protection Program, eBay covers your purchases up to Rs. 50000* (for PaisaPay transactions and up to Rs. 10,000 for non-PaisaPay transactions. eBay’s Dispute Resolution Center is also very well known. They can help you resolve any issues with your trading partners.
SNAPDEAL
Snapdeal
Snapdeal.com started their online business platform in 2010 under the leadership of Rohit Bansal and Kunal Bahl. Presently, they are placed at favorable positions on the list of online shopping sites in India. They offer widest range of products – lifestyle, fashion apparel, accessories, electronics, games, eateries, chocolates, grooming, books etc., for both men and women. The online shopping platform has their service in more than 50 cities across India and also has a record 15 million registered users in the country. The website features more than 3000 brands – national, international and even less famous yet offering quality products. The online store has more than 200 categories featuring more than 250000 products listed with them. More than 25000 products are sold every day.
Snapdeal has close ties with reputed courier services that help in faster home delivery process. They even offer free return policy of products, if they fail to meet the expectations of customers. Unlike other Indian online shopping companies, they initiate complete refund and even additional courier charges that the consumer bears, if any, while returning the products in an undamaged and unused condition.
MYNTRA
Myntra
A one-stop online shopping portal, myntra.com caters to fulfill all requirements pertaining to lifestyle and fashion products. The company is counted in the list of online shopping sites raging the country recently. They even offer variety of branded products through the online shopping portal. They are primarily reasonable to make online consumers conscious about brand value of different products of daily utility.
From its introduction into the online business world, myntra is dealing in exclusive choices of accessories, footwear, cosmetics and apparel from more than 500 reputed international and Indian brands. Notable among them are Biba, Adidas, Inc5, Puma, Nike, United Colors of Benetton etc. The online shopping portal is reputed to offer more than 3000 styles of products, fitting requirements of all valued consumers. The customer support service and process of home delivery are one of the swiftest in the business world. They are also one of the leading Indian online shopping companies offering guaranteed 30-day free return of goods from doorsteps of consumers in case of unsatisfactory service.
NAAPTOL
Naaptol
Naaptol.com is one of the fastest growing top ecommerce sites in India. The company was founded on 2008 under Manu Agarwal. Initially the company served as a search engine to provide comparison of product prices and offer services for product research. A year later, they emerged to be an online marketing platform and were able to create a furor in the market. With plenty of items in store, like cameras, tablets, home appliances, mobiles and others Naaptol saw a whopping turnover of more than Rs.10 crore in 2009-10.
One of the top ecommerce websites in India, Naaptol initiates faster delivery of all ordered products. However they charge a small amount of shipping charges, based on the distance the parcel is addressed. Naaptol also offers alluring points to online customers on ordering different products, which can also be utilized to get attractive discounts at a later stage. All products are genuine. Naaptol reserves the right to declare products eligible for return and refund in case a dissatisfied consumer takes up the case with customer representatives of the company over telephone within 2 days of receiving their orders.
INFIBEAM
Infibeam
Infibeam.com is a growing online ecommerce platform having their headquarter at Ahmedabad in Gujarat. The online shopping website especially deals in automobiles, electronic goods, books and lifestyle products. They initiated online business since 2007 and have an employee base of more than 1300. The online retail store is highly popular among prominent list of online shopping websites in India due to their authentic products.
The website also features images with higher resolution and functional zoom tool that eventually helps to visualize every product in minute details. They even offer in-depth information about the technical specifications of products making it easier for online consumers to choose their desired items easily. Infibeam is highly popular due to an innovative scheme of Magic Box that offers enticing deals through the initiative of BuildBazar. BuildBazar is able to boast implementation of over 10,000 operative stores across internet platform. Magic Box is activated every midnight and offers two dreamy deals on products from Infibeam.com, one of the notable online shopping portals.
Simbla.com
HOMESHOP18
Homeshop18
Homeshop18.com is a popular online merchandise catering to fulfill major electronics and household items for online consumers across major locations of the country. One of the most popular online shopping companies in India, Homeshop18 even offers wide collection of fashion apparel at high discounts. They showcase more than 1500 products under Indian and even international brands. The company has close contractual ties with major courier service providers to deliver ordered products across 3000 locations.
The online retail store has been a major attraction for consumers across the country due to authenticity of products. They even offer pleasant visuals of products – including detailed videographic demonstrations and images from a wide range of angles. The online shopping website even offers a wide range of payment option, including net banking, online credit or debit card transaction and facility of cash-on-delivery. Homeshop18.com, like most reputed Indian online shopping companies, even guarantee 100% money back offer, in case of consumer dissatisfaction and if the product is returned unused and undamaged within 2-days of delivery.
SHOPCLUES
Shopclues
A reputed online shopping retail website having headquarter in Gurgaon, Shopclues.com maintains more than 12,000 merchants who are registered with the company. It is one of the top ecommerce websites in India, which deals in more than 2 million products. They guarantee authenticity of products, warranty and even ensure lowest price. They even have a record of catering to more than 42 million online visitors. The company has even more than 350 registered employees across the country. They offer wide range of branded products to consumers from every corner of the country.
Shopclues.com initiate free delivery services at the doorsteps of customers through reputed courier services to nearly 10,000 cities across the country. They even initiate a 30-day return guarantee if unable to meet customer satisfaction. One of the leading online shopping companies in India, Shopclues.com accepts online payment through major credit and debit cards, including net banking services. The online shopping website service employs more than 400 personnel for effective handling of the business and is even funded by national institutional investors.
INDIATIMES SHOPPING
Indiatimes-shopping
Shopping.indiatimes.com now tops the list of online shopping websites in India. The site mostly deals in electronic gadgets. What is special about this online shopping site is that the owners offer discount on varied electronic gadgets on the eve of different festivals. The site is quite user friendly and can be accessed from hi-tech mobile phones easily. People can visit the site to purchase both new and used mobile phones of reputed brands at considerable price. Along with electronic gadgets, site owners are also now retailing fashion jewelries, books, lifestyle products etc.
Shopping.indiatimes.com introduces special deals, coupons to help customers purchase attractive appliances within budget. As diwali is approaching, it is the perfect time to visit the site to purchase expensive gadgets like laptops, computers, Smartphones within budget. Shipping facilities and customer care service of the site is noticeably different. This is one of the online gadget shopping sites that offer EMI facility to customers.
REDIFF SHOPPING
Rediff Shopping
Shopping.rediff.com is among the top India online shopping companies where daily thousands of customers visit to purchase different products. It is a one-stop solution that retails everything – from daily-needed objects to exclusive apparels manufactured by top international brands. A huge number of customers visit the site to purchase attractive gift hampers. The site is now dealing with more than 250 brands, both national and international to provide customers wide range of products from the house of top manufacturers.
The site owners follow only one mode of transaction- cash on delivery, in order to keep up good relation with clients. The owners often to help customers in purchasing expensive articles at considerable price introduce special deals or coupons. The site was introduced in the year 1999 and is operating quite successfully and creating loyal consumer base. Present visitor rate for the site is 89.1%. Shopping.rediff.com is a competitor of flipkart.com and junglee.com.
Invested in mutual funds? You must know how the industry fared@@@@@@####
The month also saw the highest absolute gain in over four years.
Thus the mood at the Business Standard Fund Cafe on Wednesday was optimistic.
A panel of chief executives of seven leading fund houses expressed confidence that AUM would cross Rs 20 lakh crore or Rs 20 trillion in three years.
This is partly because retail investors are indeed coming back after almost three years of negative flows.
Last year, mutual funds saw almost 1.5 million new investor folios and creation of eight million systematic investment plan (SIP) folios, largely because of the increasing flow from smaller cities and towns.
The potential is huge, as the industry has 10-15 million actual investors and that's barely 25-30 per cent of potential judged by the number of those filing income tax returns.
Still, mutual fund houses do have several challenges ahead to win more investors.
For example, according to data available with the Securities and Exchange Board of India, this is one of the four jurisdictions with the most upfront commission charged to investors.
The regulator has also been critical of how asset management companies use funds meant to raise investor awareness.
While such behaviour is not universal, fund houses would do well to introspect on how to remove the widespread perception that the voice of the consumer is not being heard.
It is also important for fund houses to manage return expectations in times of euphoria by engaging with investors to showcase their track record; and to increase their risk management capabilities by taking advantage of a hedging mechanism now permitted by Sebi.
Also, a McKinsey study in June this year has shown distribution of assets is still unequal among various Indian cities.
The share of the so-called B-15 cities (those below the top 15), has been stagnant, at 14 to 16 per cent of the industry's total AUM.
Even within the top 15 cities, the top five fund houses alone account for 72 per cent of the total AUM.
Despite the impressive growth, there is also a growing feeling, as pointed out by a Confederation of Indian Industry-PricewaterhouseCoopers study that the industry has shaped itself into a mutual funds business rather than an asset management business as defined by global peers.
There are opportunities to offer products that address multiple investment needs, to bring in additional investors.
An investor then could choose products that meets her needs at every stage in life.
On its part, the government should look at removing unnecessary roadblocks.
For example, if someone can open a bank account with just an Aadhar card, what is the rationale for insisting that she has to provide a permanent account number and other know-your-customer documentation before investing in mutual funds?
Friday, 7 November 2014
आईफोन, आईपैड और ऐंड्रॉयड पर फ्री हुआ माइक्रोसॉफ्ट ऑफिस
अब आप अपने स्मार्टफोन और टैबलट पर माइक्रोसॉफ्ट ऑफिस मुफ्त में इस्तेमाल कर सकते हैं। आप अपने आईफोन, आईपैड और ऐंड्रॉयड डिवाइसेज़ पर वर्ल्ड, एक्सेल और पावरपॉइंट फाइल पढ़ने के साथ-साथ क्रिएट और एडिट भी कर सकते हैं।इससे पहले ऐसा करने के लिए ऑफिस 365 का सब्स्क्रिप्शन लेना पड़ता था, जिसकी कीमत हर महीने 7 डॉलर चुकानी पड़ती थी।
माइक्रोसॉफ्ट चाहता है कि ज्यादा से ज्यादा कस्टमर्स उसकी सर्विसेज़ का इस्तेमाल करें, चाहे वे किसी भी डिवाइस या ऑपरेटिंग सिस्टम पर काम करते हों और इसी मकसद से उसने यह कदम उठाया है।माइक्रोसॉफ्ट के नए चीफ एग्जेक्युटिव सत्या नडेला ने फरवरी में कार्यभार संभालने के बाद आईपैड पर ऑफिस को उपलब्ध कराया था। इससे कंपनी को चार करोड़ यूज़र्स मिले थे।
माइक्रसॉफ्ट ऑफिस ऐप को आईओएस और प्ले स्टोर से मुफ्त में डाउनलोड किया जा सकता है।
Whatsapp introduces new 'double blue tick' feature
Mobile messaging service WhatsApp has reportedly come up with a new " double blue tick" feature that allows users to know when their texts have been delivered and read.
The blue tick appears as soon as the person at the receiving end has read the message.
According to Daily Express, one grey tick means a message has been successfully sent, two grey ticks show it has been delivered and a blue tick means the message has been read.
The app now also shows the exact time a text was sent. Users need to press and hold down on a particular post to know the accurate time the message was sent to them.
The changes will affect all versions of the app used on the Apple iPhone's iOS, the Android operating system, as well as Windows phones, Nokias and Blackberrys, the report said.
Facebook launches fundraising campaign to fight Ebola
Washington : Facebook has launched a fundraising campaign to help groups fighting Ebola.
The social networking site's founder Mark Zuckerberg has also announced a personal 25 million dollars donation to help battle the deadly disease, CNN reported.
Zuckerberg's donation went to the Centers for Disease Control Foundation. But Facebook is seeking donations for three other groups: the International Medical Corps, the International Federation of Red Cross and Red Crescent Societies and Save the Children and the site's 1.3 billion users will see a message at the top of their news feed with an option to donate to those groups.
The company will also team with UNICEF to provide information through Facebook to people in targeted regions about Ebola symptoms and treatment, in addition to teaming up with NetHope to provide communications services to medical and aid workers in Guinea, Liberia and Sierra Leone.
The company's official statement said that if the Ebola epidemic isn't addressed, it could become a long-term global health crisis and the site together with their partners hope to offer people the tools they need to fight the disease.
WTO talks set for revival as India nears deal with US, EU
NEW DELHI: After being in deep freeze for over three months, a global trade deal is finally in sight with the US and the European Union showing signs of accepting India's demand for providing flexibility to developing countries in fixing minimum support price for farm products. In return, India will sign the stalled international treaty on easier customs rules once an agreement on the contentious food security issue is reached at the World Trade Organization (WTO).
"India, US and EU are close to some understanding and based on this understanding they will work for a final solution at the WTO," said a source, who did not wish to be identified. Senior commerce department officials are engaged in consultations in Geneva. There are indications that the developed countries will agree not to challenge any breach in food subsidy caps till the calculation formula is reworked.
Global trade talks have been deadlocked after India refused to agree to a trade facilitation agreement to usher in easier rules for goods to flow through ports and airports without its concerns on food security being addressed. Based on current rules, several developing countries are close to breaching the cap on 10% value of production and face the threat of punitive action at WTO. India has argued that the calculation is flawed as it is based on outdated prices and has demanded that formula be reworked.
At the Bali ministerial meeting last December, WTO members had agreed to address India's concerns over a four year period, during which no disputes would be raised at the multilateral body even if the subsidy cap was breached. At the Indonesian island the ministers had also agreed to sign the agreement on customs rules by July 31. The developed world had argued that the rules would provide a $1 trillion boost to a sluggish global economy and pave the way for reviving the 13-year-old Doha dialogue.
Despite being blamed for "blocking" a global trade deal, India has stuck to its stand. But in recent weeks, officials have indicated that India is willing to settle for a clause that extends the four year "peace clause" to perpetuity — something that is learnt to have been discussed during a meeting between Prime Minister Narendra Modi and US President Barack Obama.
The reports of a settlement at WTO come two days after Modi met ministers and top commerce department officials on Monday. On Monday, sources had then described it as a "review meeting" and had suggested that no firm offers were on the table.
Sources said finance minister Arun Jaitely had taken up the issue and argued India's stand with US secretary of state John Kerry, when he had visited New Delhi in late July. After hearing the government's argument, Kerry had no answers and described it as "reasonable". There was, however, immense pressure on the Obama administration from domestic lobbies in the US. This was evident when a US official, who was part of Kerry's delegation, tried to resile from his position.
Washington had indicated its "appreciation" for New Delhi's posture during last month's meeting between a top USTR official and commerce & industry minister Nirmala Sitharaman. Similarly, UK chancellor George Osborne had shown support for India's stand, the source said.
Thursday, 6 November 2014
PM Narendra Modi to Visit Varanasi Today, Likely to Adopt a Village
VARANASI: Prime Minister Narendra Modi will on Friday visit his Lok Sabha constituency of Varanasi for the first time since he took charge in May. He is expected to adopt a village under the MP Model Village Scheme.
Jayapur village, 24 kilometres away from the ancient temple town of Varanasi, hopes to be picked and is prepping to receive Mr Modi, who is scheduled to make a public address there.
Uttar Pradesh Chief Minister Akhilesh Yadav of the Samajwadi Party will be in Varanasi to welcome the Prime Minister.
Tight security arrangements have been made. PM Modi will be in his constituency for a little over 24 hours.Among the oldest cities in the world, Varanasi has been constantly in the spotlight ever since PM Modi chose to retain this Uttar Pradesh constituency and gave up the other seat he had won in the national elections - Vadodara in his home state of Gujarat.
Residents in the town hope its new VIP profile will ensure that its crumbling infrastructure and lack of basic amenities will be addressed.
Soon after the Bharatiya Janata Party won the Lok Sabha elections in May, Mr Modi had made a thanksgiving visit to the city; he had offered prayers at the famous Kashi Vishwanath temple and had taken part in the Ganga Aarti.
Tomorrow, he is also expected to inaugurate several projects including one to uplift the lot of weavers in Varanasi.
5 Talented Celebrities Who Ruined Their Careers
1. Whitney Houston
Beautiful actress and talented singer Whitney Houston married nearly retired R&B star Bobby Brown in 1992, at the height of her career. With her drug dependency problems, it may not have been a good move being together with someone with substance abuse issues of his own. Through their tumultuous marriage, Whitney Houston’s drug abuse only became worse. Brown and Huston divorced in 2007, Huston was about to record a new album and her life seemed to be going well. Two years later she appeared on Oprah Winfrey’s show and gave an interview that was recognized as one of the most expected and outspoken. Huston admitted that her drug addiction became all-absorbing after the thundering success of The Bodyguard in 1992.
Her world tour of 2010, entitled the Nothing but Love World Tour, didn’t salvage her career, though. Her fans were disappointed at the performance and the quality of her voice and she received numerous negative responses from critics. While she did go through rehab, she never overcame her habit entirely. In 2012, under the simultaneous influence of cocaine, marijuana and other drugs, she drowned in her bathtub. Anyway, Whitney Huston is one of the world’s best-selling singers with more than 200 million records sold over the years.
2. Michael Jackson
In 2003 his reputation and name was tarnished, after the releasing of a documentary film Living with Michael Jackson. The film revealed the most scandalous details of his life including sleeping arrangements with a young boy. After the criminal investigation Jackson was arrested. During numerous court cases Jackson lost his fortune and was unable to cover even the most basic charges. The star burned through most of his money and his goodwill with his fans by the time he passed away in 2009.
3. Britney Spears
In 2004 her reputation and name was ruined due to an odd 2-day marriage with Jason Alexander and the following scandalous love affair with backup dancer. Later that year she married him and gave birth to their first son. But their marriage didn’t last long and after the birth of their second son, they began divorce proceedings. Britney was acknowledged to be mentally ill and her ex-husband received full custody over their children. Over several instances, she was photographed by paparazzi drunk in public. Britney didn’t let her career completely crumble, though. She caught herself in time. Today, she has made an excellent comeback.
Sachin Tendulkar Book Release: Top 10 Excerpts From 'Playing It My Way'
Sachin Tendulkar officially released his autobiography 'Playing It My Way' in Mumbai on Wednesday. The book grabbed headlines even before the launch with Tendulkar attacking former India coach Greg Chappell, calling him a "ringmaster."
Tendulkar has made some startling revelations in the book and has used uncharacteristically strong words. (Tendulkar's Career Would Have Been Incomplete Without World Cup: Akram)
Here are the top 10 quotes from Playing It My Way that are sure to stay in public memory for a long time:
1)"No one from the BCCI managed to call me or inform me of my removal as captain before someone from the media called to say I was no longer captain. I felt extremely humiliated to hear this."
2.)"I told myself that the BCCI mandarins might be able to take the captaincy away from me, but no one could do the same as far as my own cricket was concerned."
3)"I want to state very clearly that the (Monkey Gate) incident arose because Andrew Symonds had been continually trying to provoke Bhajji (Harbhajan Singh) and it was inevitable that the two would have an altercation at some point."
4)"I still believe that the (Monkey Gate) matter would not have been blown so out of proportion if (Ricky) Ponting had discussed it with the captain Anil Kumble, Harbhajan and the Indian team management before reporting the incident to Mike Procter, the match referee."
5)"Kapil Dev's method (as India coach) of involvement and his thought process was limited to leaving the running of the team to the captain, and hence he did not involve himself in strategic discussions that would help us on the field."
6)"Just months before the World Cup, (then India coach) Greg Chappell had come to see me at home and, to my dismay, suggested that I should take over the captaincy from Rahul Dravid."
7)"I hated losing and as captain of the team I felt responsible for the string of miserable performances. More worryingly, I did not know how I could turn it around, as I was already trying my absolute best."
8)"It (losing) was hurting me badly and it took me a long time to come to terms with these failures. I even contemplated moving away from the sport completely, as it seemed nothing was going my way."
9)"Mind you, there is little doubt in my mind that we would have drawn (Sydney Test of 2008) had it not been for what seemed to us to be mistakes by the umpires and some rather unsportsmanlike conduct by a few of the Australian players."
10)The best of the best: Ian Chappell in 2007, had written in a column that Tendulkar should look at the mirror and ask himself if he was good enough to continue playing cricket.� Tendulkar responds: "I showed him the size of the mirror in 2008 when we toured Australia (Sachin was man of the series in the VB Series) He should have realised that the man he is asking to stand infront of the mirrior has played more cricket than him"
Wednesday, 5 November 2014
PM Narendra Modi extends greetings on Guru Nanak Jayanti
New Delhi: Prime Minister Narendra Modi on Thursday greeted the nation on the occasion of birthday of Guru Nanak Dev.
"I bow to the venerable Guru Nanak Devji on the occasion of Guru Nanak Jayanti. The life and teachings of Guru Nanak Devji inspire us eternally. Let us follow the path of compassion, truth and peace as shown by him," Prime Minister Modi tweeted.
"Today is also a day to pledge to embrace the path of service and work towards a just and equal society, free from any kind of social evils," he added.
President Pranab Mukherjee and Vice President Hamid Ansari have also greeted the nation on the occasion.
The President said that Guru Nanak's message of compassion and equality of all human beings is of timeless relevance.
The Vice President said that Guru Nanak's divine message of truth, compassion and tolerance has eternal relevance for liberation of humanity from violence, bigotry and injustice.
Guru Nanak Jayanti is being celebrated today to mark the birth anniversary of the first Sikh Guru.
On the occasion, devotees throng to Gurudwaras to remember and pay homage to their gurus. Akhand Path is also performed at Gurudwaras.
Saturday, 1 November 2014
Bengaluru: India's Bangalore city changes name
Bengaluru is the city's name in local Kannada language and local politicians and historians say Bangalore is an anglicism that should be dropped.
The names of 11 other cities in Karnataka state, of which Bangalore is the capital, will also be changed.
Home to hundreds of IT firms, the city is known as India's Silicon Valley.
Over the last few years, the name Bengaluru has grown in popularity as it has been extensively used to describe the city, but it was formally approved by India's federal government earlier this month.
The official name change has led to a debate with some saying the move may have an impact on the city's global reputation, BBC Hindi's Imran Qureshi says.
Those in favour of Bengaluru say people will soon get used to it, he adds.
India bans first-class air travel for officials
The moves are aimed at achieving a fiscal deficit target of 4.1% of the gross domestic product for this year.
India's economy has slowed in recent years, growing by 4.7% in 2013-14.
Prime Minister Narendra Modi's BJP swept to power in the recent election on the promise of reviving the economy.
The previous Congress-led government had initiated similar measures in 2012 and 2013 to trim the deficit.
The latest austerity measures "are intended at promoting fiscal discipline, without restricting the operational efficiency of the government", a finance ministry statement quoted by the Press Trust of India news agency said.
"In the context of the current fiscal situation, there is a need to continue to rationalise expenditure and optimise available resources," it added.
New jobs have been frozen and purchases of cars have been mostly banned, reports said. Officials have been asked to use video conferencing for meetings wherever possible.
"While officers are entitled to various classes of air travel depending on seniority, utmost economy would need to be observed while exercising the choice keeping the limitations of budget in mind. However, there would be no bookings in the first class," the finance ministry said.
The government aims to further cut fiscal deficit to 3.6% in 2015-16 and 3% in 2016-17.
Mr Modi won a landslide in the May general election with a pledge to boost growth and create jobs for one million people who enter India's workforce every month.
Tuesday, 28 October 2014
Devendra Fadnavis set to be Maharashtra Chief Minister, Nitin Gadkari says ‘happy in Delhi
Two days after what was seen as a show of strength by the Nitin Gadkari camp, the BJP’s central leadership on Thursday cleared the way for state party chief Devendra Fadnavis’s appointment as the next chief minister, giving its nod for the state legislature party meeting on October 27.
Meanwhile, Union Minister Gadkari maintained that he is “very happy in Delhi”. His remarks came after Fadnavis visited him at his residence in Nagpur on Thursday. Speaking to the media later, Gadkari said, “I am very happy in Delhi. I am not interested in returning to Maharashtra… There were some leaders who felt I should become the Chief Minister of Maharashtra, but I have often said that I will continue in Delhi.”
Fadnavis maintained a studied silence on the issue.
On Tuesday, 39 of the BJP’s 44 newly-elected MLAs in Vidarbha took a flight from Mumbai to Nagpur and asked Gadkari to take over as the Chief Minister.
“It appears that Gadkari was trying to show his political might in Vidarbha… The gathering of 39 MLAs was designed to show the central party leadership who is the leader of Maharashtra,” said a senior party leader.
“We have already identified three state BJP leaders who were instrumental in projecting Gadkari’s candidature to sabotage Fadnavis’s election to the top post. Both Amit Shah and Narendra Modi have been given a full report on the events in the state over the last 48 hours,” said a senior BJP central functionary.
“The Gadkari camp’s gameplan not only boomeranged, but also tarnished the image of the party,” said a BJP general secretary, adding that it has not gone down well with the rank and file.
Senior state leaders Sudhir Mungantiwar and Vinod Tawde were among the leaders who had voiced their support for Gadkari. Sources said MLC Anil Sole, who is close to Gadkari, was also keen on promoting his candidature.
However, some sources said that Gadkari had categorically told Modi and Shah that he would like to remain in Delhi. “Gadkari is an important leader, and Modi would certainly like to have him in the union cabinet,” said a party leader.
The party leadership decided to field Fadnavis as its young and dynamic “development face” — the star campaigner who could connect with the people across the rural-urban divide. “His integrity, hard work and sincerity would work to the party’s advantage when it makes a historic beginning in Maharashtra administration,” said a party leader.
When Sheila met Modi: ‘I saw a confident man, with a vision
It is not a description that many in her own party may agree with. But Congress veteran, former Kerala Governor and ex-CM of Delhi, Sheila Dikshit, has revealed that when she met Prime Minister Narendra Modi in July, she “saw a confident man, with a vision” and “a new language”.
That does not mean an endorsement though, because the 76-year-old was quick to add that it remained to be seen how this vision “would be practically implemented”.
Speaking to The Indian Express on a wide range of issues, including the circumstances in which she quit the Governor’s job this year and the prospect of “change” after the Lok Sabha polls, Dikshit said that she is now involved in heading a Congress committee to manage the commemoration of Jawaharlal Nehru’s 125th birth anniversary on November 14.
Speaking about her meeting with Modi before resigning as Kerala Governor, Dikshit said, “I saw a confident man, with a vision when I went to meet him, but a big ‘but’ is how all this would be practically implemented. He started with ‘achhe din aayenge’. Now that has completely dropped from his vocabulary. His coinage of new phrases is attractive as it is different. But how far is it practically achieveable, a very big question mark hangs over that.”
Asked whether the Congress needed to take its cue from Modi’s manner of functioning, she said, “Whether we should draw from his style or methodology is something we need to wait and assess. It is too early to try and do anything like he does. He is speaking and promising so many things and has a new language, but we need to see what will happen eventually on his promises.”
On the controversy surrounding her resignation as Governor of Kerala, Dikshit said that she had made it clear to the NDA government before putting in her papers that it must keep in mind “the dignity of the post”.
She said that after the NDA government took charge, she too – like other governors appointed during the UPA regime – “got a call from the Home Secretary”.
”I told him two things, the first that it was a Constitutional position and secondly, that it was a position of respect, and I asked him not to call me up again. He did not. But I met Rajnath Singh, the Home Minister, after that and told him that he must give me 10-12 days to wind up and that he must not treat us all like he did Kamla Beniwal (the Gujarat governor and then Mizoram governor) or the Puducherry Lt. Governor. I told him that he can’t just dismiss us. Even if they must not regard the dignity of the person, they must worry about the dignity of the post. He did not say anything. I told him we had not applied for this post but had been chosen to serve as governors.
Sonia and Rahul Gandhi on black money list, alleges Subramanian Swamy
Bharatiya Janata Party (BJP) leader Subramanian Swamy on Monday alleged that Congress president Sonia Gandhi and her son Rahul Gandhi are on the list of people who have stashed black money in safe havens abroad.
"I have written letter to the Finance Ministry and the Commission on black money that Rahul Gandhi and Sonia Gandhi have black money stashed abroad. But no action has been taken. At least eight former cabinet ministers of the Congress are on the list," said Swamy while reacting to the government's move revealing the names of three persons in the black money case to the Supreme Court.
The Communist Party of India (CPI), however, slammed the ruling BJP and alleged that it was making false claims to the people about bringing the black money allegedly stashed in foreign bank accounts back to the country. "They said the Congress was protecting the black money holders. The BJP protested against the affidavit that the Congress had filed during their reign. Now, the same affidavit is being submitted by Arun Jaitley," said CPI leader Atul Anjan.
"Initially, they said they will reveal names of 800 people involved with this issue, now they are saying they cannot reveal all the names due to legal obligations and will publish only 136 names. I think isn't it getting delayed because the BJP supporters themselves are involved in it?" he asked. The CPI leader further said that Prime Minister Narendra Modi, who highlighted the black money issue during his campaigns before the Lok Sabha elections, should now get to the truth.
Meanwhile, Congress leader Rashid Alvi said that the people have every right to know about the status of the money stashed in foreign bank accounts. "We are waiting. The entire country is waiting. The government should reveal all the 800 names that are with them to people. The country must know that who are the backstabbers of the country," said Alvi. The ruling BJP had raised the issue of black money during the campaigning for the 2014 Lok Sabha elections and repeatedly questioned the stand of the former Congress-led UPA regime.
The NDA government is putting pressure particularly on Switzerland, seeking details of Indians who have parked unaccounted money in the Alpine country's highly secretive banks. It has quickly implemented a Supreme Court directive to set up a high-powered special investigation team, headed by retired judge MB Shah, to look into the issue.
While there are no official estimates, Global Financial Integrity (GFI), a Washington-based think-tank, has estimated that Indians had parked USD 462 billion in overseas tax havens between 1948 and 2008. Earlier, the government had told the apex court that it could not disclose the names of those who have deposited money in banks abroad as it would jeopardise tax agreements with nations providing those names to India.
There were murmurs of protest within the ruling BJP that not disclosing names would hurt the party's image after it had made bringing back black money, a key issue in the general elections that it won by a landslide. The Centre's stand also drew a strong response from the Congress, which accused it of hypocrisy. In response, Finance Minister Arun Jaitley had recently said the disclosing of names of people holding black money accounts will embarrass the opposition party.
Friday, 21 March 2014
Thursday, 20 March 2014
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