Discount Web Designer has left a new comment on your post "[Money] New comment on --------------> Web design ...":
Web designs are interesting works of web designer, and I really find it very appealing when it comes to advertising a website. It also important that your website designer is really an expert.
Posted by Discount Web Designer to Money at November 28, 2011 9:16 AM
Monday, November 28, 2011
[Money] New comment on [Money] New comment on --------------> Web design ....
Discount Web Designer has left a new comment on your post "[Money] New comment on --------------> Web design ...":
Web designs are interesting works of web designer, and I really find it very appealing when it comes to advertising a website. It also important that your website designer is really an expert.
Posted by Discount Web Designer to Money at November 28, 2011 9:15 AM
Web designs are interesting works of web designer, and I really find it very appealing when it comes to advertising a website. It also important that your website designer is really an expert.
Posted by Discount Web Designer to Money at November 28, 2011 9:15 AM
Re: Smart Money Inc. FWD: If you see your password below, STOP!
| thx for msg. --- On Mon, 28/11/11, Zoher Doctor <zoherdoctor@gmail.com> wrote:
|
Disclaimer
Information, charts or examples contained in this mail is for illustration and educational purposes only. It should not be considered as advice or an endorsement to purchase or sell any security or its financial instrument until you are well conversant and confident about the movement.
For indiviual guidance please write to me seperately at zoherdoctor@gmail.com
Visit Us at: www.smartmoneydirect.co.in
You received this message because you are subscribed to the Google Groups "Smart Money Inc." group.
To post to this group, send email to smartmoneyinc@googlegroups.com
To unsubscribe from this group, send email to smartmoneyinc-unsubscribe@googlegroups.com
For more options, visit this group at http://groups.google.com/group/smartmoneyinc?hl=en
Smart Money Inc. FWD: If you see your password below, STOP!
As received from a friend...Hope its useful. Zoher
--
If you see your password below, STOP!
Do not finish reading this post and immediately go change your password -- before you forget. You will probably make changes in several places since passwords tend to be reused for multiple accounts.
Here are two lists, the first compiled by SplashData:
1. password
2. 123456
3.12345678
4. qwerty
5. abc123
6. monkey
7. 1234567
8. letmein
9. trustno1
10. dragon
11. baseball
12. 111111
13. iloveyou
14. master
15. sunshine
16. ashley
17. bailey
18. passw0rd
19. shadow
20. 123123
21. 654321
22. superman
23. qazwsx
24. michael
25. football
Last year, Imperva looked at 32 million passwords stolen from RockYou, a hacked website, and released its own Top 10 "worst" list:
1. 123456
2. 12345
3. 123456789
4. Password
5. iloveyou
6. princess
7. rockyou
8. 1234567
9. 12345678
10. abc123
If you've gotten this far and don't see any of your passwords, that's good news. But, note that complex passwords combining letters and numbers, such as passw0rd (with the "o" replaced by a zero) are starting to get onto the 2011 list. abc123 is a mixed password that showed up on both lists.
Last year, Imperva provided a list of password best practices, created by NASA to help its users protect their rocket science, they include:
It should contain at least eight characters
It should contain a mix of four different types of characters - upper case letters, lower case letters, numbers, and special characters such as !@#$%^&*,;" If there is only one letter or special character, it should not be either the first or last character in the password.
It should not be a name, a slang word, or any word in the dictionary. It should not include any part of your name or your e-mail address.
Following that advice, of course, means you'll create a password that will be impossible, unless you try a trick credited to security guru Bruce Schneir: Turn a sentence into a password.
For example, "Now I lay me down to sleep" might become nilmDOWN2s, a 10-character password that won't be found in any dictionary.
Can't remember that password? Schneir says it's OK to write it down and put it in your wallet, or better yet keep a hint in your wallet. Just don't also include a list of the sites and services that password works with. Try to use a different password on every service, but if you can't do that, at least develop a set of passwords that you use at different sites.
Someday, we will use authentication schemes, perhaps biometrics, that don't require so much jumping through hoops to protect our data. But, in the meantime, passwords are all most of us have, so they ought to be strong enough to do the job.
Do not finish reading this post and immediately go change your password -- before you forget. You will probably make changes in several places since passwords tend to be reused for multiple accounts.
Here are two lists, the first compiled by SplashData:
1. password
2. 123456
3.12345678
4. qwerty
5. abc123
6. monkey
7. 1234567
8. letmein
9. trustno1
10. dragon
11. baseball
12. 111111
13. iloveyou
14. master
15. sunshine
16. ashley
17. bailey
18. passw0rd
19. shadow
20. 123123
21. 654321
22. superman
23. qazwsx
24. michael
25. football
Last year, Imperva looked at 32 million passwords stolen from RockYou, a hacked website, and released its own Top 10 "worst" list:
1. 123456
2. 12345
3. 123456789
4. Password
5. iloveyou
6. princess
7. rockyou
8. 1234567
9. 12345678
10. abc123
If you've gotten this far and don't see any of your passwords, that's good news. But, note that complex passwords combining letters and numbers, such as passw0rd (with the "o" replaced by a zero) are starting to get onto the 2011 list. abc123 is a mixed password that showed up on both lists.
Last year, Imperva provided a list of password best practices, created by NASA to help its users protect their rocket science, they include:
It should contain at least eight characters
It should contain a mix of four different types of characters - upper case letters, lower case letters, numbers, and special characters such as !@#$%^&*,;" If there is only one letter or special character, it should not be either the first or last character in the password.
It should not be a name, a slang word, or any word in the dictionary. It should not include any part of your name or your e-mail address.
Following that advice, of course, means you'll create a password that will be impossible, unless you try a trick credited to security guru Bruce Schneir: Turn a sentence into a password.
For example, "Now I lay me down to sleep" might become nilmDOWN2s, a 10-character password that won't be found in any dictionary.
Can't remember that password? Schneir says it's OK to write it down and put it in your wallet, or better yet keep a hint in your wallet. Just don't also include a list of the sites and services that password works with. Try to use a different password on every service, but if you can't do that, at least develop a set of passwords that you use at different sites.
Someday, we will use authentication schemes, perhaps biometrics, that don't require so much jumping through hoops to protect our data. But, in the meantime, passwords are all most of us have, so they ought to be strong enough to do the job.
@@@@@@@@@@@@@@@
Disclaimer
Information, charts or examples contained in this mail is for illustration and educational purposes only. It should not be considered as advice or an endorsement to purchase or sell any security or its financial instrument until you are well conversant and confident about the movement.
For indiviual guidance please write to me seperately at zoherdoctor@gmail.com
Visit Us at: www.smartmoneydirect.co.in
You received this message because you are subscribed to the Google Groups "Smart Money Inc." group.
To post to this group, send email to smartmoneyinc@googlegroups.com
To unsubscribe from this group, send email to smartmoneyinc-unsubscribe@googlegroups.com
For more options, visit this group at http://groups.google.com/group/smartmoneyinc?hl=en
Wednesday, November 23, 2011
[Money] New comment on [Money] New comment on --------------> Web design ....
Beth Zabski has left a new comment on your post "[Money] New comment on --------------> Web design ...":
SEO has been a recent obsession of mine...my buddy got a job at one of the smaller SEO firms and can't stop talking about it. I never thought I would find search results so enthralling lol. Now I'm looking for an SEO job myself.
Posted by Beth Zabski to Money at November 23, 2011 7:01 AM
SEO has been a recent obsession of mine...my buddy got a job at one of the smaller SEO firms and can't stop talking about it. I never thought I would find search results so enthralling lol. Now I'm looking for an SEO job myself.
Posted by Beth Zabski to Money at November 23, 2011 7:01 AM
Sunday, November 20, 2011
Smart Money Inc. Quote for the day
"A man can fail many times, but he isn't a failure until he begins to blame somebody else."
- John Burroughs.
--Disclaimer
Information, charts or examples contained in this mail is for illustration and educational purposes only. It should not be considered as advice or an endorsement to purchase or sell any security or its financial instrument until you are well conversant and confident about the movement.
For indiviual guidance please write to me seperately at zoherdoctor@gmail.com
Visit Us at: www.smartmoneydirect.co.in
You received this message because you are subscribed to the Google Groups "Smart Money Inc." group.
To post to this group, send email to smartmoneyinc@googlegroups.com
To unsubscribe from this group, send email to smartmoneyinc-unsubscribe@googlegroups.com
For more options, visit this group at http://groups.google.com/group/smartmoneyinc?hl=en
Friday, November 18, 2011
Smart Money Inc. A Must: Templeton India Corporate Bond Opportunities Fund NFO presentation
Kindly find enclosed Templeton India Corporate Bond Opportunities Fund NFO presentation.
Key highlights:
- An open-ended income fund that endeavors to provide regular income and capital appreciation by investing predominantly in corporate bonds
- Opportunity to invest in the steadily developing corporate bond segment in India which is likely to offer attractive risk / reward prospects
- Attractive investment opportunity for investors with a medium to long-term investment horizon (ideally greater then 30 months) and looking at opportunities to mitigate risks associated with the current volatility in fixed income markets
- Investors can potentially benefit from higher accrual and the prospect of capital appreciation of the assets over the long term.
NFO Dates: Opening: 15-11-2011
Closing: 29-11-2011
Re-opening for continuous sales and repurchases: 08-12-2011
WE RECOMMEND THIS FUND TO THOSE WHO LOOK FOR FIXED INCOME PLUS RETURNS WITH LIQUIDITY (OPEN ENDED)
ASK FOR APPLICATION FORM
Warm Regards,
Zoher Doctor
Financial Planner
402, Bholesai Apt., Bh. Emperor, Parsi Street, Fatehgunj, Vadodara 390002
Tel: (O) +91 265 6454851 (M) +91 9824063400
Disclaimer
Information, charts or examples contained in this mail is for illustration and educational purposes only. It should not be considered as advice or an endorsement to purchase or sell any security or its financial instrument until you are well conversant and confident about the movement.
For indiviual guidance please write to me seperately at zoherdoctor@gmail.com
Visit Us at: www.smartmoneydirect.co.in
You received this message because you are subscribed to the Google Groups "Smart Money Inc." group.
To post to this group, send email to smartmoneyinc@googlegroups.com
To unsubscribe from this group, send email to smartmoneyinc-unsubscribe@googlegroups.com
For more options, visit this group at http://groups.google.com/group/smartmoneyinc?hl=en
Saturday, November 5, 2011
[Money] New comment on [Money] New comment on --------------> Web design ....
Felcy has left a new comment on your post "[Money] New comment on --------------> Web design ...":
interesting blog. It would be great if you can provide more details about it. Thanks you
SEO in Chennai
Posted by Felcy to Money at November 5, 2011 6:21 AM
interesting blog. It would be great if you can provide more details about it. Thanks you
SEO in Chennai
Posted by Felcy to Money at November 5, 2011 6:21 AM
Thursday, November 3, 2011
Smart Money Inc. Does it Make Sense to Pre-pay Your Loan?
Does it Make Sense to Pre-pay Your Loan?
Make the most of the loan pre-payment penalty waiver, but ensure that you gain from the move
VIDYALAXMI
Home loan borrowers, especially those planning to prepay the loan, can breathe easy. The Reserve Bank of India has indicated it would scrap the prepayment penalties charged by banks. The National Housing Bank (NHB) has also sent a notification to housing finance companies on scrapping prepayment penalties on floating rate loans. Those who opted for fixed rate loans can also escape the penalty if they pay off the outstanding dues from their own savings.
DIKTAT ON PREPAYMENT
Earlier in September, the Banking Ombudsman had recommended the abolition of prepayment charges levied on floating rate home loans. It suggested that banks should rather address their asset liability mismatch even with fixed rate loans through interest rate swaps instead of passing on the cost to the borrower in the form of prepayment penalty. "Floating rate loans pass on the interest rate risk from banks — which are much better placed to manage it — to borrowers, and, thus, banks only substitute interest rate risk with potential credit risk. The bank will, however, be free to recover/charge appropriate prepayment penalties in the case of fixed rate loans," the RBI said in a notification. The banking regulator, in its mid-year credit policy last week, again stated that it proposes to implement the recommendations of the Damodaran Committee, on which a broad consensus has emerged. The committee, set up by the RBI to suggest ways to improve services to bank customers, had suggested, among other things, that prepayment charges be removed.
Typically, banks and housing finance companies charge a prepayment penalty of 1.5% to 2% on the outstanding loan amount. Some banks and HFCs have started waiving the penalty if borrowers paid the dues from their own savings. However, banks charge a penalty if the borrower shifts to another lender to benefit from lower rates. The NHB, in its recent notification, said that HFCs should not charge the penalty on pre-closure of floating rate loans irrespective of the source of fund. If the housing loan is on a fixed rate basis, the loan should be preclosed by borrowers from their own savings.
IMPACT ON BORROWERS
"It is a very welcome customerfriendly step. It could not have come at a better time than this when customers are gasping for breath due to the high interest rates. Prepayment of any amount without penalty in case of floating rate loan is a great step," says Suresh Sadagopan, certified financial planner and founder of Ladder 7 Financial Advisories. Over the past few months, most banking experts were talking about interest rates peaking out. The rates have, however, gone up by 1.5%.
The new norms will also give home loan borrowers servicing a floating rate loan the freedom to shift to lenders offering lower rates. "Existing borrowers were not willing to take the benefit of lower rate offered by other banks considering the net benefit after adjustment of pre-payment charges. But the scrapping of prepayment penalty will result in healthy competition. This will also restrain companies from hiking rates indiscriminately," says Pankaj Mathpal, CFP and managing director of Optima Money Managers.
MAKING SENSE OF PREPAYMENT
"Ideally, prepaying at the beginning of the tenure of a loan is a better idea as the interest outgo will be maximum then. If there is a 20-year loan, prepaying it in the first five years will probably be the most beneficial," says Sadagopan. "But, prepaying will probably not bring the interest below . 1.5 lakh per annum (even if the person prepays . 5 lakh, the interest component will still hover around the . 5 lakh figure)," he says.
Home loan borrowers can claim tax benefits on the interest paid under section 24 (a) of the I-T Act. If the property is self occupied, tax deduction of up to . 1.5 lakh can be claimed in a financial year. But if the property is let out, the whole amount of interest paid can be set off against the rent received. "Considering the above, in case of let-out property, it is advisable to serve the loan for the full term and set it off against the rent. In case of self-occupied property, if the individual expects to earn higher return on his investment compared with the interest being paid on the home laon, he/ she should serve the loan to such an extent that the interest paid during the financial year is limited to . 1.5 lakh," says Mathpal.
SHORTER TENURE LOANS BETTER BET
Let us compare the borrower taking a 20-year loan and paying the EMI till the end of the 10th year and then prepaying the balance loan outstanding as a lumpsum. "Let us then compare this to a 10-year loan and paying it over 10 years. If that is the case, taking a 10-year loan would be better. A 10-year loan for . 50 lakh, for example, at 11.5% per annum has an EMI of . 70,297, compared with . 53,321 for a 20-year loan. In any loan, the interest portion of the EMI is higher in the initial period. Due to this, the total amount paid to close in the 20-year loan in 10 years (the amount will be the total interest outgo in the first 10 years of a 20-year loan with an EMI of . 53,321 and then the balance repaid as a lump sum) will be higher than the total interest outgo on a 10-year loan paid over 10 years with an EMI of . 70,297," says Rishi Nathany, certified financial planner and director, Touchstone Wealth Planners. This, in effect, means you will end up paying more on a 20-year loan of . 50 lakh prepaid in 10 years than on a loan with anoriginal tenure of 10 years.
In short, if you are prepaying a floating rate home loan either with a bank or HFC you can save on prepayment charges even if you switch to a cheaper lender. However, you may have to pay processing fees and other charges depending upon the bank/ HFC's policy. If you are a fixed rate home loan customer with a bank, you will still have to pay the prepayment penalty irrespective of the source of your funds. If you are a fixed rate loan customer of a HFC and prepay the outstanding dues out of your own savings, you don't have to pay the penalty.
However, switching lenders for fixed rate loan customers will attract a prepayment penalty.
Disclaimer
Information, charts or examples contained in this mail is for illustration and educational purposes only. It should not be considered as advice or an endorsement to purchase or sell any security or its financial instrument until you are well conversant and confident about the movement.
For indiviual guidance please write to me seperately at zoherdoctor@gmail.com
Visit Us at: www.smartmoneydirect.co.in
You received this message because you are subscribed to the Google Groups "Smart Money Inc." group.
To post to this group, send email to smartmoneyinc@googlegroups.com
To unsubscribe from this group, send email to smartmoneyinc-unsubscribe@googlegroups.com
For more options, visit this group at http://groups.google.com/group/smartmoneyinc?hl=en
Wednesday, November 2, 2011
Smart Money Inc. Quote for the Day
Rudeness is a weak imitation of strength
--
Disclaimer
Information, charts or examples contained in this mail is for illustration and educational purposes only. It should not be considered as advice or an endorsement to purchase or sell any security or its financial instrument until you are well conversant and confident about the movement.
For indiviual guidance please write to me seperately at zoherdoctor@gmail.com
Visit Us at: www.smartmoneydirect.co.in
You received this message because you are subscribed to the Google Groups "Smart Money Inc." group.
To post to this group, send email to smartmoneyinc@googlegroups.com
To unsubscribe from this group, send email to smartmoneyinc-unsubscribe@googlegroups.com
For more options, visit this group at http://groups.google.com/group/smartmoneyinc?hl=en
***
Disclaimer
Information, charts or examples contained in this mail is for illustration and educational purposes only. It should not be considered as advice or an endorsement to purchase or sell any security or its financial instrument until you are well conversant and confident about the movement.
For indiviual guidance please write to me seperately at zoherdoctor@gmail.com
Visit Us at: www.smartmoneydirect.co.in
You received this message because you are subscribed to the Google Groups "Smart Money Inc." group.
To post to this group, send email to smartmoneyinc@googlegroups.com
To unsubscribe from this group, send email to smartmoneyinc-unsubscribe@googlegroups.com
For more options, visit this group at http://groups.google.com/group/smartmoneyinc?hl=en