• Lucky Money in Red Envelopes for Chinese New Year

    Comments Off on Lucky Money in Red Envelopes for Chinese New Year
    December 3, 2016 /  Money and Bank
    images20

    During Chinese New Year, young people who greet their elders a happy and abundant new year are handed lucky red envelopes by the elders. These envelopes are really good luck for a youngster because these have money inside. The lucky red envelopes are called “hong bao” in Mandarin, or “lai see” in Cantonese.

    Symbolism of the Lucky Envelope

    Giving money during Chinese New Year is considered lucky for both the giver and the receiver. Those who give will also invite the flow of money in during the entire year. Giving these envelopes also symbolize that the family luck is also passed on to the children and the unmarried teens/ adults.
    Red as usual is the luckiest color, as it symbolizes life, so its appropriate that Chinese New Year items are colored red. Hong paos have assorted designs, such as that of happy children, Chinese characters for abundance and greetings, animals of the zodiac, etc. The Chinese word for red (“hong”) also sound like “plenty”. Thus it is believed that money wrapped in red will make money multiply.
    The money inside the hong bao is called Ya Sui Qian. Ya mean suppress; Sui sounds somehow like evil spirit. Qian means money. Therefore, Ya Sui Qian means money that can suppress evil spirits. It is believed that this lucky money can also help kids be safe and healthy for the year.

    Giving the Hong Bao/ Lai See

    Money in even amounts, except for 4, is considered lucky. 4 is not a good amount to put into the lucky envelopes because the Chinese word for “four” sounds similar to the sound of “death”. A good way to gauge the amount to put into a hong bao is roughly the same amount as a candy bar. An adult can give 1 envelope, while married couples usually give 2 envelopes. It is said that in some parts of China, only mothers give away the hong bao.
    The young people accept these lucky envelopes graciously with a sincere thank you (thats “xie xie” in Mandarin or “doi jeh” in Cantonese.) They often give thanks while kneel-bowing 3 times.
    For good manners sake, the hong bao should not be opened in the presence of the giver. The receiver may only do so after leaving the giver.
    The lucky money inside the hong bao is recommended to be kept and not spent immediately. Young people are encouraged to save their money. And besides, it is believed that this money brings luck and wellness so might as well keep it.

  • Sure Shot Intraday Trading Tips

    Comments Off on Sure Shot Intraday Trading Tips
    December 2, 2016 /  Forex and Trading
    images7

    Intraday Tips can be either extremely profitable or extremely non-profitable. Intraday traders can generate either huge percentage returns or huge percentage losses. But we will say Intraday Trading is an art because many day traders manage to earn millions per year solely by Intraday Trading.Intraday Trading looks to be very simple but in Intraday Trading one has to be really fast and quick. Intraday trading can become very risky, especially if one has poor discipline, money management. Stock brokers usually allow bigger margins for day traders.Every trader is tempted to know how intraday trading works and how they can make profits at the end of the day. Most of the investors earn profits At the end of the session the investor can book profits while trading on large volumes at a much smaller price so that the profits can be recorded. An important point to be considered is that the investor has to be realistic because they should know how to control losses with the help of Intraday Tips.

    There are many ways to invest and gain profit. One of the best options is by investing in stock market. People who are risk takers can work in this market and earn handsome amount without leaving the comforts of their homes. Through these stock market tips, you can learn how to make more money and for many people the income from the stock market is the major source of earnings.Learning everything you can about this business should be your first step. It is important to know that proper awareness is important for any goal. One of the best techniques when it comes to share trading is called intraday trading. This is a strategy that involves the buying and selling of shares within the same day. It is true that intraday trading is fast and rapid so you need all the experience and patience to be more effective in this trade. Some reliable Intraday Tips help you along the way.It is important to find a reliable Intraday Tips provider that can help you minimize the risks that you have to take.

    Mostly the strategy regarding the day to day trading is similar to the long term investing in the stock markets. However there are some specific Intraday Tips too which can come in handy when you are thinking about making some fast bucks. Before proceeding further let us understand about intraday tips in respect to share market. To analyze this further this can be described with the help of an example a new intraday high means the security has reached a new relative to all other prices during a trading session. In some situation the intraday high is equal to closing price. Most traders pay heed to price movement with the help of real-time charts so that they can get maximum profit from short-term price deterioration.

  • Things To Consider Before Opting For An Online Forex Trading Broker

    Comments Off on Things To Consider Before Opting For An Online Forex Trading Broker
    December 2, 2016 /  Forex and Trading
    images12

    Trading forex is a best way to use your market knowledge to good use. Its a known fact that middle class individuals including the business man wants to strike to the richer level with the best financial investment they can choose for. As there are numerous online forex trading brokers in the country who are coming up with different strategies to attract clients, more and more people are showing their interest towards their investment in the trading. Hence the role of brokers plays an important role in the success of traders who earns good profits at the end of the day.

    This is due to the fact that the dealers not only provide clients an platform to trade but also an 24×7 customers support services to help them through all steps of trading. Although the forex market can be fluctuating often, the online forex trading brokers decide by themselves about the spread so that they can advise to the trade accordingly. Hence, the broker is nothing but a mediator who helps you through all steps of trading forex. With the rise of mediators in the country, from the honest ones to the fake ones misleading people faith just wants to earn money one way or the other.

    Before opting for a broker, you should be aware about the past of the company and the reviews of people who are presently trading with the company including the past traders who had been investing with the company for years. If its done, you can be sure of choosing the best ones out of many. It is advised for beginners to invest in the forex trading market initially with a demo account so that they could learn all aspects of trading which can make them an expert.

    After learning the market as a whole, the investor can choose to open a forex trading account with a minim um deposit which is affordable for him/her. Adding to all this, please take a note of the different trading account with leverages and spared levels so that you can make the best out of the deal. So, if you are interested to earn good profits through just very little investments, just step ahead and make your investment viable by choosing the best forex trading broker online. People who are interested to make money in a short period of time can undoubtedly opt for this trading of forex.

  • Claims Payment Record Of The Private Insurance Companies

    Comments Off on Claims Payment Record Of The Private Insurance Companies
    December 2, 2016 /  Tax and Insurance
    images7

    As we know, there are 20 odd private life insurance companies in India, and there is LIC which is a public sector company. LIC is the 800 pound gorilla, managing to hold on to about 75% market share even 10 years after private companies have been allowed into the life insurance space. The private life insurance companies position themselves on being more customer friendly, wider array of products etc while LIC holds on to its positioning of trust, experience and government backing. One of the key parameters on which to judge a life insurance company is their claims payment record. At the same time, we must note that given that life insurance has become more of a savings and investment product, the returns that they provide are perhaps more important than claims payout ratios. Nevertheless, claims record is definitely not a variable to be ignored.

    A table illustrating the claims rejection percentages of the top life insurance companies in 2009-10 is presented below:

    Life Insurance Company
    Claims rejection ratio (%)

    LIC 1.21%
    Aviva 9.75%
    Bajaj Allianz 5.2%
    Birla SunLife 10.62%
    HDFC Life 4.67%
    ICICI Prudential 3.27%
    ING Vysya 4.26%
    Kotak Mahindra 4.29%
    Max New York Life 12.31%
    MetLife 5.94%
    Reliance Life 7.05%
    SBI Life 14.75%
    Tata AIG 12.3%

    An important observation from the above table is that the claims rejection ratio of LIC is the lowest, thus implying that their record is the best as far as claims payment is concerned. At the same time, the very high percentage of claims rejection of SBI Life and Max New York Life surely comes in as a surprise.

    It must however be noted once again that in Unit Linked products that life insurance companies promote aggressively (or at least was promoting till Sep 2010) , the returns earned on the fund is perhaps a more important variable than the claims payment (or rejection) ratio. However, for non life insurance companies, which offer pure protection/insurance products with no savings or investment component, claims payment is the crucial variable along with the speed of processing of claims.

    Let us now look at the incurred claims ratios of the non life insurance companies:

    Non Life Insurance Company
    Incurred claims ratio

    New India Assurance 89%
    Oriental Insurance 99.69%
    United India Insurance 78.62%
    National Insurance 99.16%
    Royal Sundaram 68.95%
    Reliance General Insurance 77.3%
    Iffco Tokio Insurance 83.44%
    Tata AIG 60.54%
    ICICI Lombard 85.35%
    Bajaj Allianz 71.9%
    HDFC Ergo 80.73%
    Bharti Axa 104%%

    One data point that stands out from above is that Tata AIG General Insurance seems to be sourcing the best quality business from the underwriting point of view, whereas the claims payment ratio of Bharti Axa seems to be quite high. Alo,the claims payment ratio of the public insurers, at an overall level, is higher than that of the private non life insurers.

  • Day Trading – Is Forex Easier To Trade Than Stock Market Indices

    Comments Off on Day Trading – Is Forex Easier To Trade Than Stock Market Indices
    December 1, 2016 /  Forex and Trading
    images6

    There are many professional day traders out there who focus all their efforts on trading a particular instrument, whether it’s a currency pair or a stock market index. I personally have attempted to trade both in the past so I can speak from experience when I say that in general it is much easier to trade forex.

    The main reason why is because when you trade one of the major currency pairs you can usually concentrate purely on technical analysis. In other words when you trade the intraday charts you can trade the forex pairs around pivot points and areas of support and resistance because the price movements can be quite predictable. However when you trade stock indices such as the FTSE 100 or the Dow Jones, for instance, the price movements are not always so predictable.

    That’s obviously because these indices are made up of various different stocks and they don’t always rise and fall in tandem with each other. Yes you may get some days when all the constituents trade higher or lower, but most of the time certain sectors will be strong, whilst others may be flat or trading lower. Plus there are often occasions when individual stocks release some news concerning their company and as a result the share price moves independently of the wider market.

    As a result of all this, you don’t always get as many predictable bounces off key support and resistance levels, for example, as you do when you trade the major forex pairs. Therefore they are much harder to trade with any confidence because you can never be sure of how the price will react around these key levels.

    Another point worth making is that when you trade forex you can pretty much guarantee that you will have a large trading range for many of the most popular currency pairs, such as the GBP/USD, EUR/USD and GBP/JPY pairs, for any given trading day. The same cannot be said for the various stock market indices, however, because there are some days when the FTSE 100, and even the Dow Jones, will trade within a very narrow trading range.

    So the point I want to get across is that on the whole it’s a lot easier to day trade the forex markets than the stock market indices. They respond very well to technical analysis, whether it’s fibonacci levels, pivot points, or simply trend lines and basic levels of support and resistance, whereas the same cannot always be said about the indices because of how they are derived.

  • Mcdonald’s Franchise Review – The Facts

    Comments Off on Mcdonald’s Franchise Review – The Facts
    December 1, 2016 /  Market and Franchise
    images13

    Owning a McDonald’s franchise can be one of the most rewarding experiences of your life if you know what you’re doing, if you have the resources to qualify and if you do it the right way. However, before you do your share of serving billions and billions of hamburgers worldwide, there’s a few things you need to be aware of in order to make the right decision.

    Today, there are roughly over 30,000 restaurants spanning the globe in over 100 countries. McDonald’s franchise has been in existence since 1955 and the franchise owners have played huge roles in the overall success of the company.

    When considering to buy a McDonald’s franchise, you have 2 options in which to do so. The first is to purchase an existing restaurant from the company or another franchise owner, which happens to be the most common practice. The second option is to purchase a brand new restaurant that is built from the ground up. In both cases, you must have a minimum of $300,000 down payment that can NOT be borrowed. You have to physically have it in liquid assets.

    Other important factors in buying a McDonald’s franchise include having significant business experience, good management skills, the ability to manage finances well, you must be able to execute and deliver on a business plan, you have to maintain exceptional customer service and you have to have a good credit history. If you can’t show you have all of these capabilities, then this franchise may not be a good fit for you.

    Most experts will tell you that breaking even in the first 7-10 years is doing a real good job of running your McDonald’s franchise. Part of the ongoing expenses include the traditional expenses like rent, utilities, inventory, wages and of course the 4% royalty fees that are based on gross revenues and not net profits. What’s interesting to know is that the McDonald’s corporation usually owns the land the franchises are on and the franchise owners pay their rent to the corporation. In fact, it can be argued that McDonald’s is actually in the business of real estate since they are one of the largest holders of real estate in the world.

    Bottom line is that owing a McDonald’s franchise is not for the timid. You have to have considerable net worth, a good track record and still get approval by the company. Not all franchises are this way and if you don’t qualify for a McDonald’s franchise, then there are plenty of other viable options for you.

  • Top 10 Affiliate Products to Promote to Bank On

    Comments Off on Top 10 Affiliate Products to Promote to Bank On
    December 1, 2016 /  Money and Bank
    images5

    Very simply put, these top 10 affiliate products have been tested and proven to make you cash. Every one of these are instant pay outs from Paypal which means that when someone purchases one of these products under your affiliate code, you get paid instantly! Yes, INSTANTLY! You do not have to wait your typical 30 days until you see your profits. Good to know this, yes?

    Without further delay, here are the top 10 affiliate products to fatten up your wallet. *Note* In order to have the links clickable, all you have to do is go to my site at the end of this article and they all will be there waiting for you!!!
    After you click on the link and fill out the simple form, you will receive your special affiliate link and you will be ready to promote.

    1. Turbo review writer
    Our step-by-step fill-in-the-blanks process makes writing product reviews a piece of cake.

    2. The truth about truck driving
    know the truth, avoid the scams.

    3. Graphics for Halloween
    Brand new Halloween Mini site pack with extra graphics and comes complete with Master Resale Rights.

    4. The Raffle Site Script
    Boost Your Subscriber List Instantly.

    5. Get paid by Fortune 500 Companies
    Walmart ,Ebay, Amazon And Other Big Corporations Pay Me $8000+ Every Month For My Opinions.

    6. The million dollar script box
    Clone The Type Of Mind Blowing Success That The Owners Of Google, MySpace & YouTube Have.

    7. Finding fortune on facebook
    Did you know that Facebook is slowly becoming the next Google Adwords?

    8. The Interactive Coaching Class
    How To Develop An Idea For A Killer Product And Make Sure Itll Sell.

    9. Bloggers Paycheck
    A Complete Guide to Getting Paid Ridiculously Large Sums of Money For Writing About Something You Love.

    10. The Ultimate Super Tip
    The Ultimate Super tip and secret no one wants you to know about.
    (This site Rocks!).. *Note* Just follow the instructions and read more about this site. I guarantee you will be drawn into this one! 🙂

    Most of these sites WILL make you anywhere from $19.00 $100.00

    Remember: Make sure you have a Paypal account because they will ask you for your Paypal email so that you get paid. And you do want to get paid, Right? lol. If you dont have one yet, you can create one here:

    Paypal

    “Good luck and may the force of making money be with you”

    Top 10 Paypal Affiliate Sites to Bank On

  • Bank Of Montreal (bmo) – Company Profile And Swot Analysis

    Comments Off on Bank Of Montreal (bmo) – Company Profile And Swot Analysis
    November 30, 2016 /  Money and Bank
    images4

    July, 8, 2014 : Company Profiles and Conferences presents a Company Report on “Dredging Corporation of India Ltd. – Company Capsule”, who follows a standardized research methodology to ensure high levels of data quality and these characteristics guarantee a unique report.

    Synopsis
    “Bank of Montreal (BMO) : Company Profile and SWOT Analysis” contains in depth information and data about the company and its operations. The profile contains a company overview, key facts, major products and services, SWOT analysis, business description, company history, financial analysis, mergers & acquisitions, recent developments, key employees, company locations and subsidiaries, employee biographies as well as competitive benchmarking data.

    Summary
    This report is a crucial resource for industry executives and anyone looking to access key information about “Bank of Montreal”

    The report utilizes a wide range of primary and secondary sources, which are analyzed and presented in a consistent and easily accessible format. World Market Intelligence strictly follows a standardized research methodology to ensure high levels of data quality and these characteristics guarantee a unique report.

    Scope
    – Examines and identifies key information and issues about “Bank of Montreal” for business intelligence requirements.
    – Studies and presents the company’s strengths, weaknesses, opportunities (growth potential) and threats (competition). Strategic and operational business information is objectively reported.
    – Provides data on company financial performance and competitive benchmarking.
    – The profile also contains information on business operations, company history, major products and services, key employees, and locations and subsidiaries.

    Reasons To Buy
    – Quickly enhance your understanding of “Bank of Montreal”
    – Gain insight into the marketplace and a better understanding of internal and external factors which could impact the industry.
    – Increase business/sales activities by understanding your competitors businesses better.
    – Recognize potential partnerships and suppliers.

    Key Highlights
    Bank of Montreal (BMO) is a diversified financial services organization, which provides retail banking, wealth management and investment banking products and solutions. The products that the bank offers include checking accounts, savings accounts, business accounts, students’ savings accounts, personal loans, business loans, student loans, mortgage loans, home equity loans, retirement savings, mutual funds and credit cards. Its services include wealth management services, cash management services, foreign exchange services, investment services, capital raising, corporate lending, treasury services, risk management services, and merger and acquisition advisory services. The bank operates in North America, Asia, and Europe. BMO is headquartered in Montreal, Quebec, Canada.

  • Floating market

    Comments Off on Floating market
    November 30, 2016 /  Market and Franchise
    images18

    Floating market is a place where the things are sold by boats. It’s a way of transportation by water. Basically, transportation has a very important role in our daily life, the things which are necessary in our daily life can’t be imagine without transportation. A person always surrounded by the needs therefore the person always be a needy because we required many thing to survive our life and with the help of transportation we get all the things.

    A country’s financial conditions depend on the transportation because the rates of the product are fixed according to transportation. Generally the transportation done by the motor vehicles, trains, sheep etc. but I think the boats are also a better option when the transportation is done in a small level. You may have seen in many countries the things are exchange by the boats like vegetables, fishes, eggs and many more which are generally daily needs. This is the fantastic way of transportation because by this the things are exchange in a short time of period and the cost of the products is also decreases so it’s improve the economy of the country too.

    When we see the scene of a floating market it’s really wonderful it feels like all the colors are surrounded the water so the floating markets have also become the picnic sports. Many people want to pass their free time in these types of places. I have also been in a floating market and I personally feel that it is the place where a person can enjoy allot. When I went there the scene of the market was beautiful I could see every color is sailing in the water and the people are getting so much enjoyed at that place.

    As a content writer here I am giving you a advise to be in the Floating market because a person need freshness in his life so he goes for a trip and I think this place can provide you an outstanding trip because there are many thing to appreciated like you can sail in that boats, the music, the beautiful huts etc. these all creates a ultimate environment which is really very joyful. A floating market not only provides the facility of transportation but also it appreciates as a place where people can pass their time by having a trip. Thus the floating market is becoming a place where people want to go because here the people also have the chance to be interacting with each other and the culture of each other.

    I am kamal sharma a professional content writer here want to introduce you the fun of a and i hope you like to appreciate it.

  • Foreclosure Tax Sales, Loan Modification, Delaying A Sheriff Sale, And More

    Comments Off on Foreclosure Tax Sales, Loan Modification, Delaying A Sheriff Sale, And More
    November 29, 2016 /  Financial Plan
    images16

    Foreclosures for unpaid property taxes vary widely by state and county. Sometimes the house is auctioned off to satisfy the taxes. Other times, a lien or certificate is sold to the high bidder. And in some areas, no sale is conducted and the property is simply transferred from the homeowner to the county or other tax agency. In most jurisdictions, homeowners have the right to redeem their property after the auction for delinquent taxes.

    The following are some defenses homeowners can still raise after a sheriff sale to delay or challenge the foreclosure process and auction:

    * Irregularity in conducting the sale
    * Sale price at auction was grossly inadequate
    * Homeowners did not receive notice as required
    * Sheriff sale was not advertised as required

    Any physical problems with a property make proceeding with a foreclosure much less desirable for lenders. An appraisal, Broker’s Price Opinion, or other type of valuation from a trustworthy source should be included with any workout proposal, loan modification, or short sale request homeowners make if there are deficiencies in the condition of the house.

    If borrowers run into a brick wall dealing with the mortgage servicing company, they can go a step above and contact the holder of the loan. Large banks, institutional lenders, Fannie Mae, and Freddie Mac, among others, will often push a servicer to intervene and work out a solution with homeowners to stop foreclosure, modify a loan, or delay a sheriff sale.

    Most people think that Wall Street was primarily responsible for securitizing junk loans and unleashing the subprime crisis. In reality, though, over 50% of mortgage securitizations are guaranteed or issued by Fannie Mae and Freddie Mac (two government-sponsored enterprises), or Ginnie Mae (Government National Mortgage Association).

    In a mortgage modification or other workout agreement, it is always easier to negotiate down interest charges, late fees, and other unexpended costs to the lender. These are costs the lender has not paid out of pocket, but has instead just tacked onto the loan balance. They can and should be negotiated away.

    According to the Truth in Lending Act, homeowners can request their mortgage servicer to identify for them the person or company or organization that holds the mortgage. The servicer must comply with this request.

    Sometimes homeowners are able to delay a sheriff sale over and over again. While this seems a little counter-intuitive, if the lender does not accept the request for a postponement, it may face liability for acting in bad faith. Pursuing foreclosure and using the courts is usually considered the last option, and if the owners are working on a mortgage modification or short sale, for instance, the county auction can be called off relatively easily.