Money

Smart Money Inc. Unbelievable...but true

2012-02-12T21:32:00.000-08:00

Dear Friends,

VIKAS TRUST has been working for the upliftment of under privileged citizen since last one year and the achievement is unbelievable...but yes we did it. It would have been not possible without your support.

Achievement till 31st Jan 2012 (Would touch by 31st March 2012 as application are under process)

Ownership to Autorickshaw drivers - 24 (52)

Sewing Machines & Sewing / Tailoring work - 22 (100)

Eatables (Farsan n Khakras) - 08 (15)

Opthalmic Mobile Van beneficiaries (Eye testing, medicine, drops, spects & cataracts) - 453 (700)

Medicine & Health Supplement distribution to beneficiaries - 2100 (3000)

Education Aids - 03 (03)

Training - 40 (80)

Counselling - 08 (20)

Guidance to Other NGOs - 15 (15)

-------------------------------------------------------

Total Beneficiaries - 2673 (3985)

------------------------------------------------------

Upcoming Initiatives

Crop Grains to Old & Disable Singles - 50 person - cost of food grains per person INR 700 per month

Cloth Bags to replace plastic bags (in association with Municipal Corporation) - 1 lac bags each costing INR 10/-

Developing Common Plots into Green Plots - 20 plot costing INR 1 Lac per plot

Appeal for Donation

Individuals, Corporate, SME can donated a contribution to support the livelihood projects, adopting a person for Crop Grains, Advertise on Cloth Bags by sponsoring it, Be a partner for green plots. Ask for exclusive report on each project if you wish to support it. (Details are available on web site and even on facebook, still any specific requirement can be asked for)

Send us a Cheque / DD in favour of VIKAS TRUST and send it to us at the below mentioned address

Transfer fund online to the trust account, ask us for the details (IFSC code & Bank Details)

Donate online through SimplyGive http://www.simplygive.org.in/charity-details.php?cid=112

We are open for CSR activities with any Corporate / SME under their CSR Initiatives.

We are open for any suggestions, advice, ideas and even criticism... just write to us

Lets bring a SMILE on someone face....

With Warm Regards

Zoher Doctor / Vikas Trust

Founder Trustee

402, Bholesai Apt., Bh. Emperor, Parsi St, Fatehgunj, Vadodara 390002 GUJ INDIA

Direct: +91 9824063400

Office: +91 265 6553344

www.vikastrust.org

Join us at FaceBook http://www.facebook.com/vikas.trust

Payday loans

2012-02-01T11:43:00.001-08:00

If you are in need of payday loan and has not yet found the right place for it then you need to know paydayloanprovider24h.com, only here you have all security and tranquility to get your money quickly, easily and completely safe Payday loans are a popular and convenient way to access a small sum of money for a short time. Customers often take a payday loan to cover immediate expenses before your next payday - hence the term Payday loans are most often used to manage unexpected expenses like car repairs, monthly bills and necessary travel. Payday loans are particularly popular among consumers with less-than-perfect credit Do you know this situation when there is nearly end of the month, your bank account is empty, but you urgently need cash? When you encounter such a problem, additional funds are remedy to cope with unforeseen situation. Instant loan is a popular financial service that will help you deal with all expenses, and they seem to be very functional and useful. When you need small funds, but without waiting, instant loan is the best solution for you. Procedure of getting instant loan is east, and its effects are really immediate then come the getpaydayloan1h.com now and have your cash advance with all peace and security.

[Money] New comment on [Money] New comment on [Money] New comment on ----....

2012-01-19T03:17:00.000-08:00

Roan's Page has left a new comment on your post "[Money] New comment on [Money] New comment on ----...":

If you need web designers that can really deliver, may we suggest Discount Web Designers? Based on our experience with them, they really deliver!

Posted by Roan's Page to Money at January 16, 2012 6:54 PM

Sell Your Old Jewelry For Cash

2012-01-19T03:14:00.000-08:00

Many people are now selling the jewelry that they have in order to make some extra money. After all, we may have purchased quite a bit of jewelry when economic times were good, but now that things are getting a little bit tighter, we find that it is beneficial to have the cash on hand. It is possible to get money for everything from gold to precious gems and even cash for diamonds. In order for you to make sure that you are getting the most amount of money possible, you should make sure that you find gold or diamond buyers that are willing to give you a premium. This can be difficult, but there are some things that you can do in order to increase your success rate when selling jewelry.

One of the first things that you should do is some research so that you understand how to sell a diamond ring successfully. This research will give you some insight into the prices that may be available as well as some pitfalls has to how they may get around paying you a premium for the jewelry that you are offering. You should also know if it is going to be more beneficial for you to sell the diamonds separately from the piece of jewelry. It is important to understand this because the price of gold is at a premium, and if there is a significant amount of gold in the jewelry, it may be worth more as gold rather than as a piece of jewelry that goes along with the diamond.

[Money] New comment on [Money] New comment on --------------> Web design ....

2012-01-14T22:05:00.001-08:00

Roan's Page has left a new comment on your post "[Money] New comment on --------------> Web design ...":

Make the most out of your web design investment by choosing the right web designers.

Posted by Roan's Page to Money at January 14, 2012 10:05 PM

[Money] New comment on [Money] New comment on [Money] New comment on ----....

2012-01-14T21:41:00.001-08:00

Roan's Page has left a new comment on your post "[Money] New comment on [Money] New comment on ----...":

Make the most out of your web design investment by choosing the right web designers.

Posted by Roan's Page to Money at January 14, 2012 9:41 PM

Re: Smart Money Inc. Muthoot Finance FD 13.25% p.a. : Double your investments in 5&1/2 years

2012-01-03T01:28:00.000-08:00

Dear Mr Ahuja,

Its nice that u have written to us.

Pl be informed NCDs are far more safe then FDs as FDs are issued without any security, where as NCDs are allowed against security. Further more the company provide finance against security ie GOLD which is considered far more safe then any other investment avenues.

We appreciate your concern, but be informed that is safe and investor need nor worry on it. From our side ie Smart Money Inc we will never advice with is less than required..we check on risk adjusted returns...

Hope we clarified your query

regards

Zoher Doctor

---------- Forwarded message ----------
From: Jagjit Ahuja
To: smartmoneyinc@googlegroups.com
Cc:
Date: Tue, 3 Jan 2012 12:09:04 +0530
Subject: Re: Smart Money Inc. Muthoot Finance FD 13.25% p.a. : Double your investments in 5&1/2 years

People with GREED will get attracted . People to fulfill their needs will not even come near them.

For heaven sake do not recommend such blade companies. When and ahere they will disappear , no one will know.

Brig J S Ahuja

On Mon, Jan 2, 2012 at 8:09 PM, Zoher Doctor <zoherdoctor@gmail.com> wrote:

Smart Money Inc. recommends Muthoot Finance FD.
Ask for application forms

SMART MONEY INC

Contact Person: Mr Zoher Doctor (M) +91 9824063400

402, Bholesai Apt., Bh. Emperor, Parsi Street, Fatehgunj, Vadodara 390002 Gujarat

(O) +91 265 6454851

Email: smartmoneyinc@indiatimes.com

--
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
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Smart Money Inc. Muthoot Finance FD 13.25% p.a. : Double your investments in 5&1/2 years

2012-01-02T06:39:00.000-08:00

Smart Money Inc. recommends Muthoot Finance FD.

Ask for application forms

SMART MONEY INC

Contact Person: Mr Zoher Doctor (M) +91 9824063400

402, Bholesai Apt., Bh. Emperor, Parsi Street, Fatehgunj, Vadodara 390002 Gujarat

(O) +91 265 6454851

Email: smartmoneyinc@indiatimes.com

RE: Smart Money Inc. Happy New Year

2012-01-01T23:33:00.000-08:00

Thanks. I wish you & your family a very Happy & Prosperous New Year too.

Regards,

Ravi Saxena

From: smartmoneyinc@googlegroups.com [mailto:smartmoneyinc@googlegroups.com] On Behalf Of nazarethsw@svcbank.com
Sent: 01 January 2012 18:01
To: smartmoneyinc@googlegroups.com
Subject: Re: Smart Money Inc. Happy New Year

A Beautiful Year has just begun 4 u, Walk vth Aims, Run vth Confidence, Fly vth ur Achivements. May u Have a Lovely year ahead.! Wishing U A VERY HAPPY NEW YEAR. Smile in all circumstances n be Happy.! (y) :) :D

Sent on my BlackBerry® from Vodafone

From: Zoher Doctor <zoherdoctor@gmail.com>

Sender: smartmoneyinc@googlegroups.com

Date: Sun, 1 Jan 2012 14:16:39 +0530

ReplyTo: smartmoneyinc@googlegroups.com

Subject: Smart Money Inc. Happy New Year

May this NEW YEAR 2012 (twenty too well) turn all your dreams to reality & your efforts into great achievements.

HAPPY NEW YEAR

warm regards

Zoher Doctor

www.zoherdoctor.in

Smart Money Inc www.merapaisa.net

Vikas Trust www.vikastrust.org

Smart Bargain www.smartbargain.in

--
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
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Disclaimer: This email message (including attachments, if any) is intended for the use of the individual or entity to which it is addressed and may contain information that is privileged, proprietary, confidential and exempt from disclosures. Any comments or statements made herein do not necessarily reflect those of The Shamrao Vithal Co-operative Bank Limited. If you are not the intended recipient, you are notified that any dissemination, distribution or copying of this communication is strictly prohibited. If you have received this communication in error, please notify the sender and erase this email message immediately.

MAIL HAS BEEN SCANNED BY MCAFEE e-APPLIANCE

Disclaimer:

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Re: Smart Money Inc. Past n Future

2012-01-01T21:59:00.000-08:00

Thank you. We reciprocate the same for you and your business family.

On Mon, Jan 2, 2012 at 10:32 AM, RECEPTION (TUFLEX INDIA UNIT-1) <reception@polynex.net> wrote:

I WISH YOU AND YOUR FAMILY

A VERY HAPPY AND PROSPEROUS

NEW YEAR 2012

G.S.Pillai

Executive-Administration

Parry Enterprises India Limited

Tuflex India Division

702/704 GIDC Palej

Bharuch-392 220

Gujarat.

Mob: 09904703420

From: smartmoneyinc@googlegroups.com [mailto:smartmoneyinc@googlegroups.com] On Behalf Of Zoher Doctor
Sent: Saturday, December 31, 2011 10:46 AM
To: undisclosed-recipients:
Subject: Smart Money Inc. Past n Future

Alvida (Bye Bye) 2011

Welcome 2012

Zoher Doctor

+91 9824063400

http://www.facebook.com/zoherdoctor

--
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
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--
Dr. Shailendra P. Singh
+91-9990296759 (Mobile)
+91-11-41392421 (o)
+91-11-32590219 (r)

RE: Smart Money Inc. Past n Future

2012-01-01T21:02:00.000-08:00

I WISH YOU AND YOUR FAMILY

A VERY HAPPY AND PROSPEROUS

NEW YEAR 2012

G.S.Pillai

Executive-Administration

Parry Enterprises India Limited

Tuflex India Division

702/704 GIDC Palej

Bharuch-392 220

Gujarat.

Mob: 09904703420

From: smartmoneyinc@googlegroups.com [mailto:smartmoneyinc@googlegroups.com] On Behalf Of Zoher Doctor
Sent: Saturday, December 31, 2011 10:46 AM
To: undisclosed-recipients:
Subject: Smart Money Inc. Past n Future

Alvida (Bye Bye) 2011

Welcome 2012

Zoher Doctor

+91 9824063400

http://www.facebook.com/zoherdoctor

Re: Smart Money Inc. Happy New Year

2012-01-01T08:54:00.000-08:00

Dear sir,
Thanks, Wish You Happy New Year to.
Ranjit

On 1/1/12, nazarethsw@svcbank.com <nazarethsw@svcbank.com> wrote:
> A Beautiful Year has just begun 4 u, Walk vth Aims, Run vth Confidence, Fly
> vth ur Achivements. May u Have a Lovely year ahead.! Wishing U A VERY HAPPY
> NEW YEAR. Smile in all circumstances n be Happy.! (y) :) :D
> Sent on my BlackBerry® from Vodafone
>
> -----Original Message-----
> From: Zoher Doctor <zoherdoctor@gmail.com>
> Sender: smartmoneyinc@googlegroups.com
> Date: Sun, 1 Jan 2012 14:16:39
> Reply-To: smartmoneyinc@googlegroups.com
> Subject: Smart Money Inc. Happy New Year
>
> May this NEW YEAR 2012 (twenty too well) turn all your dreams to reality &
> your efforts into great achievements.
>
>
> HAPPY NEW YEAR
> [image: image.png]
>
> warm regards
>
> Zoher Doctor
>
> www.zoherdoctor.in
>
> Smart Money Inc www.merapaisa.net
>
> Vikas Trust www.vikastrust.org
>
> Smart Bargain www.smartbargain.in
>
> --
> 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:
>
> This email message (including attachments, if any) is intended for the use
> of the individual or entity to which it is addressed and may contain
> information that is privileged, proprietary, confidential and exempt from
> disclosures. Any comments or statements made herein do not necessarily
> reflect those of The Shamrao Vithal Co-operative Bank Limited. If you are
> not the intended recipient, you are notified that any dissemination,
> distribution or copying of this communication is strictly prohibited. If you
> have received this communication in error, please notify the sender and
> erase this email message immediately.
>
>
>
> Disclaimer:
>
> This email message (including attachments, if any) is intended for the use
> of the individual or entity to which it is addressed and may contain
> information that is privileged, proprietary, confidential and exempt from
> disclosures. Any comments or statements made herein do not necessarily
> reflect those of The Shamrao Vithal Co-operative Bank Limited. If you are
> not the intended recipient, you are notified that any dissemination,
> distribution or copying of this communication is strictly prohibited. If you
> have received this communication in error, please notify the sender and
> erase this email message immediately.
>
>
> --
> 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
>

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

Re: Smart Money Inc. Happy New Year

2012-01-01T04:31:00.000-08:00

Sent on my BlackBerry® from Vodafone

From: Zoher Doctor <zoherdoctor@gmail.com>

Sender: smartmoneyinc@googlegroups.com

Date: Sun, 1 Jan 2012 14:16:39 +0530

ReplyTo: smartmoneyinc@googlegroups.com

Subject: Smart Money Inc. Happy New Year

May this NEW YEAR 2012 (twenty too well) turn all your dreams to reality & your efforts into great achievements.

HAPPY NEW YEAR

warm regards

Zoher Doctor

www.zoherdoctor.in

Smart Money Inc www.merapaisa.net

Vikas Trust www.vikastrust.org

Smart Bargain www.smartbargain.in

Smart Money Inc. How to invest in 2012

2012-01-01T03:34:00.000-08:00

Take wise decision....Invest with Knowledge...Ask your Investment Advisor / Financial Planner. Zoher

Year endings are riddled with a peculiar paradox. They may reek of despair over a perturbed past, yet are redolent with hope for the future. They may be saddled with banalities springing from hindsight, yet shimmer with possibilities stemming from foresight. As we straddle the divide between 2011 and 2012, the financial world is beginning to sniff out these contrasts.

The investors are rumbling with resentment over a year that has landed them losses, but are calmly cautious about the profits they may make in the coming year. The players in the investing world-stock brokers, fund managers, realty developers, insurers-and the industry are grim about stunted growth, but are sanguine about stability in the domestic market.

The widespread dismay has been no surprise: in the past year, the Sensex has taken a wild ride, losing nearly 25%, and drumming out thousands of crore rupees worth of losses for investors; the rupee depreciated 18.5% against the dollar in 12 months, plunging from `44.71 at the beginning of 2011 to `52.96 now; the inflation surged to 10% in September before falling to 9.11% in November; the interest rates scurried up with an unseemly haste as the RBI tried to combat inflation; gold prices shot up to unnerving highs as global central banks acquired it and the rupee weakened; the IIPfigures registered a negative growth of 5.1% in October; and the European debt crisis, along with high inflation and interest rates, threatened to unravel the domestic growth, with the GDP figures falling consistently in the past six quarters. It was a whorl of factors that conspired to crumble a sturdy economy.

Still, there were islands of sanity. The debt instruments-debt funds, fixed deposits-ensured good returns spurred by the rate volatility. The rupee that weakened against the dollar benefited many an export-oriented industry. The regulators sprung into action to safeguard the small investor; so the NAV-guaranteed Ulip came under fire, and medical insurance portability finally took off. The bank savings rates were deregulated and, in a radical measure, the safe haven of small savings schemes was linked to the market. The gains were not substantial enough to sate the greedy investor, but steady enough to soothe the fearful one.

As we prepare to shift gears and sidle into the next year, is the financial course likely to change? Will the investor have to content himself with a measly trickle of gains and reconcile to another year of gloom? Or is there a sliver of revival stuck in the recesses of 2012? Should the investor stick to the safety of debt or venture into the swirling equity market? Should he retain the existing assets in the same proportion as last year or must he shuffle these around to optimise gains? Should he pick property as interest rates prepare to descend or wait for the real estate market to recover?

We realise that you, our readers, have been plagued by these, and many more, questions in the past few months. This special year-ender issue is an attempt to answer some of them. We shall evaluate the past to render a clearer future. We shall sift through the remains of 2011 in different asset classes-stocks, mutual funds, real estate, insurance, gold-and assess how these will shape up in 2012. We shall present the opinions of various experts to settle on a strategy you should adopt in the coming year. We shall glean the important lessons of 2011 so you can build robust finances in 2012.

While it's impossible to shovel out a clear path, it's evident that 2012 will be the year of the proactive investor. If you are prepared to be on your toes as global and domestic events unfold, monitor your finances with vigour, and pore through the advice we render, we assure you of a stable ride. And, hopefully, you may not need to grapple with sundry paradoxes as you end 2012.

http://economictimes.indiatimes.com/markets/analysis/how-to-invest-in-2012/articleshow/11232374.cms

Smart Money Inc. Happy New Year

2012-01-01T00:46:00.000-08:00

May this NEW YEAR 2012 (twenty too well) turn all your dreams to reality & your efforts into great achievements.

HAPPY NEW YEAR

warm regards

Zoher Doctor

www.zoherdoctor.in

Smart Money Inc www.merapaisa.net

Vikas Trust www.vikastrust.org

Smart Bargain www.smartbargain.in

Smart Money Inc. Financial lessons for small investors from tumultuous year of 2011

2011-12-31T09:17:00.000-08:00

Lessons for investors. They need good n intelligent financial planner who gives them 360 degree investments diversification with

risk adjustment returns. Zoher

*************

ET Wealth looks at eight key financial lessons for the small investors from the year 2011:

1. Diversification really works:

The biggest lesson of 2011 is also the oldest. It found a forceful reinforcement as the investors, whose portfolios had a wide spread across asset classes, sectors, or even geographies, reaped benefits.

In equity funds, diversified plans (down 23.5%) fared better than some sectoral funds (infra, banks down 31.5%). "India is considered to be among the top performing markets, but in rupee terms, it was among the worst performers in 2011," says Arindam Ghosh, VP and head of retail, JP Morgan Mutual Fund.

2. Insure against natural disasters:

Most of the damage in Japan was paid for by insurance. "This stresses the need to cover life, property and health," says Suresh Agarwal, executive vicepresident and head of distribution, Kotak Mahindra Old Mutual Life Insurance.

Even though the cost of insuring a house for Rs24 lakh is only Rs5 a day, not many Indians have covered their houses against disasters. Covering the contents of the house is a little costlier but equally important. The cost far outweighes the benefits of insuring your valuables.

3. Stay away from easy money plans:

Those who had flocked to SpeakAsia to fulfil their dreams are today ruing their decision to join the company. The online survey company has not paid them any money and there is no telling whether it will be allowed to resume its operations in India.

ET Wealth saw this coming much before the authorities clamped down on SpeakAsia for being a pyramid scheme. For small investors, the lesson is simple: stay away from schemes that offer easy money. Remember, there is no short-cut to riches. Only diligent saving and intelligent investing can get you there.

4. Shun stocks with too much debt:

There's nothing wrong with promoters pledging their stake as collateral. The trouble is if they pledge a large chunk of the equity. Bear cartels are forever on the prowl for such firms, for even a good stock can go into a tailspin if a big portion of the stake is pledged, triggering a sell-off.

The GTL stock has fallen over 90%, from Rs 407 to Rs 35, since June 15 when rumours of pledging first surfaced. KS Oils is another horror story. In November, Parsvnath shares crashed 50% as panicky financiers off-loaded.

5. Even approved projects are risky:

For property buyers, government approval for a project is practically a touchstone. The imbroglio over Noida Extension has changed this perception forever.

After the Allahabad High Court struck down the acquisition of land at Chak-Sahberi village in Greater Noida, government projects will no longer be seen as risk-free.

Fire Capital CEO Om Chaudhry advises buyers to invest in projects that have an institutional participation. "It's safer as banks and financial institutions exercise due diligence for the project," he says.

6. Look beyond FDs for debt investing:

At the beginning of the year, banks were luring deposits with rates of 8-8.5%. Anybody who locked in at that rate would have lost out when the rates touched 9-9.5%, even 10% for certain durations.

On the other hand, investors in shortterm debt funds gained from the rise in interest rates. Debt funds are liquid and more taxefficient than FDs. Now that the interest rate cycle has peaked, long-term debt funds look promising. "Investors need to look beyond FDs for debt investments," says Ghosh of JP Morgan.

7. Factor in inflation in your returns:

How much did you earn from your FD this year? Even for someone in the zero tax bracket, the return would not have been more than 1-2%. This is because the high inflation that raged in 2011 would have pared the real returns.

"Investors should not get carried away by the rate being offered," says PV Subramanyam, financial trainer with Iris. While a small investor can't control the rise in prices, he can control his expenses. "If you have a financial plan, it tells you when you overspend or underinvest," says Sumeet Vaid, a financial planner.

8. Asset allocation is the key:

Diversification has limited utility if you don't rebalance your portfolio. 2011 was a year of divergent returns from different asset classes. Stocks fell but fixed income options gave good returns and gold shot up.

If one asset class runs ahead or lags, the investor must periodically reset the balance. This disciplined approach holds the key to successful investing. "The investors who maintained their asset allocation emerged relatively unscathed," says Jayant Pai, vice-president of Parag Parikh Financial Advisory Services.

http://economictimes.indiatimes.com/personal-finance/savings-centre/analysis/financial-lessons-for-small-investors-from-tumultuous-year-of-2011/articleshow/11231293.cms?curpg=2

Happy Investing 2012

Re: Smart Money Inc. Past n Future

2011-12-31T08:28:00.000-08:00

Hari Om! BuntZji,

Thx & We Heartily reciprocate theBest Wishes for the New Year!

On Sat, Dec 31, 2011 at 11:32 AM, kamal desai <kamal.vipa@gmail.com> wrote:

same to you zoher, god bless you all.

regards,

kamal

On Sat, Dec 31, 2011 at 10:45 AM, Zoher Doctor <zoherdoctor@gmail.com> wrote:

Alvida (Bye Bye) 2011

Welcome 2012

Zoher Doctor
+91 9824063400

http://www.facebook.com/zoherdoctor

--
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
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--
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
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--
With Prem & Om!
Yrs in Lords Seva,
Hari Om The(xit)

"Om Nomo Narayanaya!" "Jai Jagadeeshwara!""Om Sri Chinmaya Sadguruve namah!"

Smart Money Inc. Subscription Figures of PFC/ NHAI Tax Free Bonds as on 30/12/2011

2011-12-31T07:57:00.000-08:00

As reported by registrar, subscription figures of PFC Tax-free Bonds as on yesterday EOD is given below:

Total     :INR 8932 Crs
QIB       :INR 5984 Crs (Closed for subscription)
HNI       :INR 2014 Crs, (Closed for subscription)
Retail :INR 918 Crs*    (Still open for subscription on FIFO basis)

*Retail figure will change as informed by PFC.

Subscription figures of NHAI Tax-free Bonds as on yesterday EOD is given below

Total                 : INR 23192 Crs
CAT I (QIB)        : INR 17301 Crs (Closed for subscription)
CAT II (HNI)       : INR 5667 Crs,   (Closed for subscription)

Retail : INR 1125 Cr approx. (Still open for subscription)

*Please note that, all figures are approximate and might change.

Wish you and your Family a Very Happy New Year in advance.

warm regards

Zoher Doctor / Smart Money Inc.

Financial Planner

+91 9824063400

Re: Smart Money Inc. Past n Future

2011-12-30T22:02:00.000-08:00

same to you zoher, god bless you all.

regards,

kamal

On Sat, Dec 31, 2011 at 10:45 AM, Zoher Doctor <zoherdoctor@gmail.com> wrote:

Alvida (Bye Bye) 2011

Welcome 2012

Zoher Doctor
+91 9824063400

http://www.facebook.com/zoherdoctor

--
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. Past n Future

2011-12-30T21:15:00.000-08:00

Alvida (Bye Bye) 2011

Welcome 2012

Zoher Doctor

+91 9824063400

http://www.facebook.com/zoherdoctor

Smart Money Inc. Power Finance Corporation Tax Free Bond - Tranche I

2011-12-29T05:41:00.000-08:00

Power Finance Corporation Limited (PFC) has come out with a Tax Free NCD issue aggregating Rs 1,000 Crores with an option to retain an oversubscription upto the Shelf Limit (i.e. Rs. 4033.13 Crores) ("Issue").

Key Features:

Issue Open On: Friday, 30th December 2011

Issue Closes On: Monday, 16th January 2012

Rating: "CRISIL AAA/Stable" by CRISIL, "ICRA AAA" by ICRA

Options: Series I: Tenor of 10 years with an annual coupon payment of 8.20% p.a.

Series II: Tenor of 15 years with an annual coupon payment of 8.30% p.a.

Minimum Application: Rs. 10,000 & in multiples of Rs. 5,000 thereof

Allotment:

Allotment shall be on first come first serve basis, with Issuer Company having the discretion to close the Issue early irrespective of whether any of the Portion(s) are fully subscribed.

For any other information/ support required, please call at 0265 6454851 / +91 9824063400 or send email to zoherdoctor@gmail.com

Ask for application forms(soft copy)

with warm regards

Zoher Doctor / Smart Money Inc.

Financial Planner

Smart Money Inc. NHAI Bond - Bond with the Best

2011-12-28T20:46:00.000-08:00

Hope this interest you...Check out the chart explaining how the return (interest) is better then FD...Remember Interest is TAX FREE.... Zoher

With SENSEX FALLS 146 POINTS a AS BANKS Killer , RIL SLIP
•
• 9 Debut, NHAI Bonds Set to Raise . 10k cr

ANURADHA HIMATSINGKA KOLKATA

Bonds floated by the National Highways Authority of India, or NHAI, sold like hot cakes on the first day with demand outstripping the offer within hours of opening, belying perception that people are averse to investing in infrastructure, which is getting a short shrift from the government. The success of the first retail bond sale by the nation's roads builder is due to the attractive post-tax returns from its bonds for as long as 15 years, when interest rates are poised to fall.
Interest rates and bond prices move in opposite direction.
Sovereign backing to the entity is another comforting factor for investors since their capital would be returned even if some of the projects funded turn unviable, or even if NHAI incurs losses. "The AAA-rated bonds seem attractive," said Rishi Nathany, a Kolkatabased financial planner.
"Moreover, since we are near the peak of the interest rate cycle, these bonds could see possible capital appreciation once rates start falling," he said.
NHAI, which is selling bonds to raise . 5,000 crore, received bids for at least . 7,000 crore, said a person involved in the deal. It has the option to retain an additional . 5,000 crore, which is known as a greenshoe option, taking the total size to . 10,000 crore. The issue may be closed ahead of its January 11 deadline due to strong demand.
Of the total issue, 40% is reserved for institutional investors and 30% each for the retail and high net worth individual (HNI) categories.
For individuals in the highest tax bracket of 30.9%, the 10-year 8.2% tax-free bond gives an effective return of about 11.87%, and the 15-year 8.3% bond, 12.01%. These are better than bank fixed deposits that are taxed even if they offer as high as 9.5% or 10%.
"Unlike tax-saving bonds from institutions like IDFC or even L&T Finance, interest income from NHAI bonds is exempt from income-tax levy," said G Suresh, chief general manager, NHAI. "This makes the instrument an attractive investment option. This apart, there is no cap on the investment amount per application."

Smart Money Inc. Re: NHAI Tax Free Bond - Issue Details

2011-12-28T10:39:00.000-08:00

Please note that National Highways Authority of India (NHAI) has come out with a Tax Free NCD issue of Rs. 5,000 crores with an option to retain over subscription upto Rs. 5,000 crores aggregating to a total of Rs. 10,000 crores.

Key Features:

Issue Open On:                 December 28, 2011

Issue Closes On:               January 11, 2011

Rating:                                  "Care AAA" by Care; "AAA/Stable" by Crisil & "AAA/Stable" by FITCH

Options:                               Series I:                Tenor of 10 years with an annual coupon payment of 8.20% p.a.

Series II:               Tenor of 15 years with an annual coupon payment of 8.30% p.a.

Call / Put Option:              Not Applicable

Minimum Application:   Rs. 50,000 & in multiples of Rs. 1,000 thereof

Investment Rationale:

·      AAA rated paper available at 8.20 / 8.30% p.a. tax free, i.e. a yield of 12.25 – 12.30% pre tax. Comparable papers are trading at a YTM of 9.00 – 9.25%

·      We expect this paper to list at 1.5 - 2.5% premium. Clients can sell on listing or hold

·      During the subscription period, 4% interest is paid by NHAI on the unalloted amount and 8.20 / 8.30% on the allotted amount. Hence, clients can divert their liquid fund holdings to this issue

·      Good response expected from QIBs and HNIs

·      For clients who wish to hold - FD+ returns. SBI Bank's 3 year FD currently yields ~9.00% p.a.

Who should invest:

·      Clients with cash surpluses / fixed income allocation

·      Clients who are invested into liquid / liquid plus funds

·      Corporate Treasuries

·      Non – resident Indians

Client Suitability:

·      Aggressive                    – 15% of the current 50% fixed income allocation

·      Balanced                        – 10% of the current 60% fixed income allocation

·      Conservative               – 10% of the current 100% fixed income allocation

Ask for application forms.

warm regards

Zoher Doctor / Smart Money Inc

Financial Planner

+91 9824063400

+91 265 6454851

Smart Money Inc. Accept a regular payout month after month, if income / salary is disturbed

2011-12-26T07:42:00.000-08:00

Accept a regular payout month after month, if income / salary is disturbed due to accident* to Secure your Family's Future

v Month Payout of Rs 10,000 to Rs 35,000 option available

v No age bar (18 years to 80 yrs)

CLICK HERE To get more detail please reply this email with following details:

Name:

Location:

Contact details:

Age:

Any query:

Brought to you by

SMART MONEY INC

Contact Person: Mr Zoher Doctor (M) +91 9824063400

402, Bholesai Apt., Bh. Emperor, Parsi Street, Fatehgunj, Vadodara 390002 Gujarat

(O) +91 265 6454851

Email: smartmoneyinc@indiatimes.com

Smart Money Inc. Quote for the Day

2011-12-16T07:14:00.000-08:00

Always Direct Your thought Words and Actions,
To those Truths that will give You,
Love, Joy, Peace and Happiness.

[Money] New comment on [Money] New comment on --------------> Web design ....

2011-12-13T20:33:00.001-08:00

Roan's Page has left a new comment on your post "[Money] New comment on --------------> Web design ...":

If you want to expand your business, try reaching out to an online audience. A DWD web designer can make your site for you for affordable rates!

Posted by Roan's Page to Money at December 13, 2011 8:33 PM

[Money] New comment on [Money] New comment on [Money] New comment on ----....

2011-12-13T20:27:00.001-08:00

Roan's Page has left a new comment on your post "[Money] New comment on [Money] New comment on ----...":

If you want to expand your business, try reaching out to an online audience. A DWD web designer can make your site for you for affordable rates!

Posted by Roan's Page to Money at December 13, 2011 8:27 PM

[Money] New comment on [Money] New comment on [Money] New comment on ----....

2011-12-12T21:06:00.001-08:00

Celebrity has left a new comment on your post "[Money] New comment on [Money] New comment on ----...":

A great peace of advice and I will certainly share it to others.
WordPress Development

Posted by Celebrity to Money at December 12, 2011 9:06 PM

[Money] New comment on [Money] New comment on [Money] New comment on ----....

2011-12-05T07:37:00.001-08:00

Discount Web Designer has left a new comment on your post "[Money] New comment on [Money] New comment on ----...":

I really appreciate your blog.. Good advice for a starter web designer. Good job!

Posted by Discount Web Designer to Money at December 5, 2011 7:37 AM

Smart Money Inc. Activity Report

2011-12-04T07:44:00.000-08:00

Attached find the Activity Report of VIKAS TRUST

Request to contribute to support us by way of donation, ask for bank details

Visit to see Photo Gallery http://vikastrust.org/gallery.php

Visit to check detail profile of beneficiaries http://vikastrust.org/profile.php

Visit to check the products made by NGOs http://vikastrust.org/product.php

DONATE for the noble cause. Ask for more details or call us

With Warm Regards

Zoher Doctor / Vikas Trust

Founder Trustee

402, Bholesai Apt., Bh. Emperor, Parsi St, Fatehgunj, Vadodara 390002 GUJ INDIA

Direct: +91 9824063400

Office: +91 265 6553344

www.vikastrust.org

[Money] New comment on Easy formula to earn 600$ per day ONLINE from Home....

2011-12-03T19:21:00.001-08:00

daisyjimmy72 has left a new comment on your post "Easy formula to earn 600$ per day ONLINE from Home...":

Hi

Tks very much for post:

I like it and hope that you continue posting.

Let me show other source that may be good for community.

Source: Accounts payable interview questions

Best rgs
David

Posted by daisyjimmy72 to Money at December 3, 2011 7:21 PM

Smart Money Inc. Fwd: CII's 10th Manufacturing Summit 2011 - 14th & 15th December 2011

2011-12-03T05:28:00.000-08:00

---------- Forwarded message ----------
From: Bijal Gala <bijal.gala@cii.in>
Date: Sat, Dec 3, 2011 at 1:27 PM
Subject: CII's 10th Manufacturing Summit 2011 - 14th & 15th December 2011
To: zoherdoctor@gmail.com

Dear Mr Doctor,

You are receiving this email because of your relationship with the sender. To safely unsubscribe or modify your subscription settings please click here

[Money] New comment on [Money] New comment on --------------> Web design ....

2011-11-28T09:16:00.001-08:00

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

[Money] New comment on [Money] New comment on --------------> Web design ....

2011-11-28T09:15:00.001-08:00

Re: Smart Money Inc. FWD: If you see your password below, STOP!

2011-11-28T08:03:00.000-08:00

thx for msg.

--- On Mon, 28/11/11, Zoher Doctor <zoherdoctor@gmail.com> wrote:

From: Zoher Doctor <zoherdoctor@gmail.com>
Subject: Smart Money Inc. FWD: If you see your password below, STOP!
To:
Date: Monday, 28 November, 2011, 7:32 PM

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.

@@@@@@@@@@@@@@@

--
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!

2011-11-28T06:02:00.000-08:00

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.

@@@@@@@@@@@@@@@

[Money] New comment on [Money] New comment on --------------> Web design ....

2011-11-23T07:01:00.001-08:00

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

Smart Money Inc. Quote for the day

2011-11-20T21:24:00.000-08:00

"A man can fail many times, but he isn't a failure until he begins to blame somebody else."

- John Burroughs.

Smart Money Inc. A Must: Templeton India Corporate Bond Opportunities Fund NFO presentation

2011-11-18T03:37:00.000-08:00

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

www.merapaisa.net

www.zoherdoctor.in

[Money] New comment on [Money] New comment on --------------> Web design ....

2011-11-05T06:21:00.001-07:00

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

Smart Money Inc. Does it Make Sense to Pre-pay Your Loan?

2011-11-03T21:01:00.000-07:00

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.

http://epaper.timesofindia.com/Default/Scripting/ArticleWin.asp?From=Archive&Source=Page&Skin=ETNEW&BaseHref=ETM/2011/11/04&PageLabel=13&EntityId=Ar01300&ViewMode=HTML

Smart Money Inc. Quote for the Day

2011-11-02T22:16:00.000-07:00

Rudeness is a weak imitation of strength

***

www.zoherdoctor.in

Smart Money Inc. Wish you a Very Happy Diwali and a Prosperous New Year

2011-10-22T05:28:00.000-07:00

with warm wishes

Zoher Doctor

www.zoherdoctor.in

Smart Money Inc. My Interview on CafeMutual

2011-10-21T05:27:00.000-07:00

My interview has been published on CAFEMUTUAL. Pl click the link to read the same. Your comments is welcome.

http://www.cafemutual.com/News/InnerDist.aspx?srno=65&Type=DistibuterCorner&id=104

with regards

Zoher Doctor

www.zoherdoctor.in

Smart Money Inc. Good Bad & Ugly of TATA Retirement Saving Fund

2011-10-19T07:13:00.000-07:00

Tata Retirement Saving Fund

Features of the fund can be received through the promo web site link http://www.tatamutualfund.com/microsite/TRSF-NFO-Campaign.html

Our Analysis of the fund reports:

Advantage Scheme provide

Automatic asset allocation
Automatic Withdrawal

Disadvantage of Scheme

No tax benefits
High Exit Charges

Our Advice & Recommendation

Should go for only if the investment horizon is till retirement (long term) and one is looking for this product.

Smart Money Inc. Survey on Traffic Issues

2011-10-16T23:08:00.000-07:00

If you have trouble viewing or submitting this form, you can fill it out online:
https://docs.google.com/spreadsheet/viewform?formkey=dFdlOEUtNDI4SVBPWHczTWtqc0ltWlE6MQ

Survey on Traffic Issues

Kindly help us understand the Traffic Issues in Vadodara. The result will be presented to Traffic Dept too.   Vikas Trust is working in hand with Traffic Dept to analyse the traffic problems and work out ways to smoother the traffic issues.   In future these data will help in working out ways & means for training, education and doing awareness on Traffic Safety....

[Money] New comment on --------------> Web design and SEO in Chennai <---....

2011-10-14T04:59:00.001-07:00

Felcy has left a new comment on your post "--------------> Web design and SEO in Chennai <---...":

just linked this article on my facebook account. it's a very interesting article for all.

Web Design Chennai

Posted by Felcy to Money at October 14, 2011 4:59 AM

[Money] New comment on TOP SEXY VIDEOS ALL TYPE OF HOT PHOTOS.

2011-09-27T09:27:00.001-07:00

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RE: Smart Money Inc. Launch of Ophthalmic Mobile Van

2011-09-24T22:32:00.000-07:00

From: (TUFLEX INDIA UNIT-1\)
To: <smartmoneyinc@googlegroups.com>
Date: Sun, 25 Sep 2011 10:35:10 +0530
Subject: RE: Smart Money Inc. Launch of Ophthalmic Mobile Van

Good movement. All the best.

Parry Enterprises India Limited

Tuflex India Division

From: smartmoneyinc@googlegroups.com [mailto:smartmoneyinc@googlegroups.com] On Behalf Of Vikas Trust
Sent: Saturday, September 24, 2011 8:17 PM
To: undisclosed-recipients:
Subject: Smart Money Inc. Launch of Ophthalmic Mobile Van

We are glad to announce the launch of Ophthalmic Mobile Van today (24th Sept 2011) for the service to under privileged citizens of Vadodara & Surrounding Areas.

The van would have an optometrist, driver and equipped with complete eye care equipment. The van will also refer cataract cases to associate hospitals, which perform cataract operations for free for the poor.

The van is donated by Wockhardt Foundation and would be managed by Jiruwala Eye Clinic (Dr Fakruddin Jiruwala Ophthalmologist) & Vikas Trust (Mr Zoher Doctor Founder & Managing Trustee)

Philanthropist Dr Huzaifa Habil Khorakiwala of Wockhardt Foundation under his mission of RIGHT TO VISION runs 11 van through out India. Right to Vision looks to cure the plague of preventable blindness. It is believed that India has 15 million blind people ie 1 in every 80 people is either blind or will turn blind.

Mr Saifuddin Barodawala Head Mobile Health Clinic of Wockhardt Foundation were present during the launch.

With Warm Regards

Zoher Doctor / Vikas Trust

Founder Trustee

402, Bholesai Apt., Bh. Emperor, Parsi St, Fatehgunj, Vadodara 390002 GUJ INDIA

Direct: +91 9824063400

Office: +91 265 6553344

www.vikastrust.org

Re: Smart Money Inc. Launch of Ophthalmic Mobile Van

2011-09-24T10:04:00.000-07:00

God bless you and your team and give the strength and courage for such nice work for the common man.

It is really a matter of pride for us that your team is working for the general cause.

Thanks

CA Paras Chhajed

On Sat, Sep 24, 2011 at 8:16 PM, Vikas Trust <vikastrust1@gmail.com> wrote:

We are glad to announce the launch of Ophthalmic Mobile Van today (24th Sept 2011) for the service to under privileged citizens of Vadodara & Surrounding Areas.

The van would have an optometrist, driver and equipped with complete eye care equipment. The van will also refer cataract cases to associate hospitals, which perform cataract operations for free for the poor.

The van is donated by Wockhardt Foundation and would be managed by Jiruwala Eye Clinic (Dr Fakruddin Jiruwala Ophthalmologist) & Vikas Trust (Mr Zoher Doctor Founder & Managing Trustee)

Philanthropist Dr Huzaifa Habil Khorakiwala of Wockhardt Foundation under his mission of RIGHT TO VISION runs 11 van through out India. Right to Vision looks to cure the plague of preventable blindness. It is believed that India has 15 million blind people ie 1 in every 80 people is either blind or will turn blind.

Mr Saifuddin Barodawala Head Mobile Health Clinic of Wockhardt Foundation were present during the launch.

--

With Warm Regards

Zoher Doctor / Vikas Trust

Founder Trustee

402, Bholesai Apt., Bh. Emperor, Parsi St, Fatehgunj, Vadodara 390002 GUJ INDIA

Direct: +91 9824063400

Office: +91 265 6553344

www.vikastrust.org

--
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

CA Paras Chhajed
FCA, DISA (ICAI)
Azad Chowk
Rajnandgoan
491441Chhattisgarh
Ph. (07744) 224246, 403903
Mobile: 09425240246
e-mail: paraschhajed@gmail.com

website: http://paraschhajedco.icai.org.in/

Smart Money Inc. Launch of Ophthalmic Mobile Van

2011-09-24T07:46:00.000-07:00

We are glad to announce the launch of Ophthalmic Mobile Van today (24th Sept 2011) for the service to under privileged citizens of Vadodara & Surrounding Areas.

The van is donated by Wockhardt Foundation and would be managed by Jiruwala Eye Clinic (Dr Fakruddin Jiruwala Ophthalmologist) & Vikas Trust (Mr Zoher Doctor Founder & Managing Trustee)

Mr Saifuddin Barodawala Head Mobile Health Clinic of Wockhardt Foundation were present during the launch.

With Warm Regards

Zoher Doctor / Vikas Trust

Founder Trustee

402, Bholesai Apt., Bh. Emperor, Parsi St, Fatehgunj, Vadodara 390002 GUJ INDIA

Direct: +91 9824063400

Office: +91 265 6553344

www.vikastrust.org

Smart Money Inc. Quote for the day

2011-09-22T11:33:00.000-07:00

"You're looking for a mispriced gamble. That's what investing is.

And you have to know enough to know whether the gamble is mispriced. That's value investing."

- Charlie Munger

Click Here for More

Smart Money Inc. Highest NAV Guaranteed Products

2011-09-14T08:25:00.000-07:00

Highest NAV Guaranteed Products

Is it for you??

CLICK HERE to visit my blog on Advantage of Financial Planning

It would be very useful.

Invest with knowledge. Happy Investing!!

regards

Zoher Doctor

www.zoherdoctor.in

Smart Money Inc. Support a NGO by placing bulk order for Office Files made by Mentally Challenged

2011-09-13T08:15:00.000-07:00

A Group of Mentally Challenged Citizens are been supported by an NGO works for the best of their ability to make OFFICE FILES. We request to kindly support us for the cause, in term of providing the work order of these files products.

Believe me the quality is the best available in the market with resonable rates (Competative then market).

Pl ask for more detail on price. Look for wholesale orders / bulk orders.

Pl visit http://vikastrust.org/profile.php?start=15

With Warm Regards

Zoher Doctor / Vikas Trust

Founder Trustee

402, Bholesai Apt., Bh. Emperor, Parsi St, Fatehgunj, Vadodara 390002 GUJ INDIA

Direct: +91 9824063400

Office: +91 265 6553344

www.vikastrust.org

Smart Money Inc. ‘Zindagi Na Milegi Dobara’ has Useful Lessons for Financial Planning

2011-09-11T22:46:00.000-07:00

From: Dipan Shah - SBI MF
To:
Date: Mon, 12 Sep 2011 10:47:11 +0530
Subject: RE: Smart Money Inc. 'Zindagi Na Milegi Dobara' has Useful Lessons for Financial Planning

Good One Sir

From: smartmoneyinc@googlegroups.com [mailto:smartmoneyinc@googlegroups.com] On Behalf Of Zoher Doctor
Sent: Saturday, September 10, 2011 8:13 PM
To: smartmoneyinc
Subject: Smart Money Inc. 'Zindagi Na Milegi Dobara' has Useful Lessons for Financial Planning

Expert Take

'Zindagi Na Milegi Dobara' has Useful Lessons for Financial Planning

Zindagi Na Milegi Dobara has been enthralling audiences with its intriguing story, along with some good performances by the lead actors. But, for me, the aspect that stands out the most is the core message of the movie – live for the moment and enjoy life because you only live once!
And I could not stop drawing the obvious comparisons between the theme of the movie and the purpose of financial planning. Like the movie, the aim of financial planning is also to enable each one of us to enjoy the things we have and want from our lives.
The three protagonists of the movie, besides fighting their internal demons, also depict classical traits that I have found in several individuals, especially those who have not started with their financial plan. Let us look at the three lead characters of the movie and see what we can learn from them.
SHOULD I KEEP MY LIFE ON HOLD?
Hrithik Roshan's character, Arjun, is a financial trader working in London who wants to make enough money and retire at the age of 40.
He believes that since he faced hardship all through his childhood, he should have money when he retires. He believes future financial security is important and is willing to give up on his present to get there.
This may be a movie, but I have come across several people who believe that letting go of your desires of the present for attaining something in future is acceptable.
While aiming to retire by 40 is good, one should not forget that life is made up of small and big pleasures, which cumulatively add to the quality of life.
The most optimum way is to create a financial plan that will help one balance both the current and future aspirations.
LEARN TO LIVE WITH YOUR FEARS
The second protagonist of the movie, Imran, played by Farhan Akhtar, is a drifter by choice and a closet poet. His problem is not confronting his fears — he keeps putting off meeting his biological father.
For many of us, our relationship with money is similar. We are scared to accept reality.
Fear associated with money may be based on not wanting to face hardships, but what one tends to forget is that the hardship is already present; it's only our acceptance which we can control.
Accepting your fears related to money is the first step to liberate you and start you on the path of financial freedom.
READY FOR SURPRISES, ANY TIME
Kabir, the character essayed by Abhay Deol, has an unusual predicament. Everyone around him, including his fiance, thinks he wants to get married to her when in reality he is just not ready for marriage.
While Kabir does manage to find his way out towards the end of the movie, his role highlights the fact that one can never predict the kind of surprises life can throw up at any point of time, and some of these surprises may not be pleasant.
There is no way to stop such unforeseen events from happening, but what we can do is be prepared financially to handle such events in life. Investing in a financial plan can help you not only deal with unexpected events, but also make you financially strong, so that when the time arrives, you are not left counting your chickens.
A certified financial planner can not only advice you as to how you should go about this process, but also tell you how much you should invest to get to your goal.
It is said that life inspires movies, and sometimes movies inspire life. And when it comes to the inspiration quotient, Zindagi Na Milegi Dobara ranks high. The message is loud and clear – live for the moment and seize life. And make sure you do everything you need to do along the way to make yourself capable both mentally and financially.

Sumeet Vaid
FOUNDER
Ffreedom Financial Planners

http://epaper.timesofindia.com/Default/Scripting/ArticleWin.asp?From=Archive&Source=Page&Skin=ETNEW&BaseHref=ETM/2011/09/08&PageLabel=12&EntityId=Ar01202&ViewMode=HTML

Smart Money Inc. Mind Your Financial Moves, Credit Bureaus are Watching You

2011-09-10T07:25:00.000-07:00

Expert Take

Mind Your Financial Moves, Credit Bureaus are Watching You

The banking industry today is abuzz with talks about frequent rate hikes and their impact on credit growth. Lending institutions are getting exceedingly selective and diligent in their lending decisions. Consumers, on their part, are also striving to improve their credit history and better understand their rights in the credit borrowing space.
As an increasing number of Indians use financial products, credit bureaus have attained acceptance and importance in India for their expertise. These bureaus no longer remain limited to offering credit reports. Their offerings have multiplied in the past year and they now play a more important role in lending decision making than ever before.
There has been significant innovation by bureaus in launching a suite of alerts products to assist banks with retention, cross-sell and collection efforts. Banks now take advantage of almost real-time monitoring of their customers' efforts in leveraging themselves. Collections groups are updated on the activities of customers who are categorised as 'high risk'.
Banks are frequently notified about certain behavioural changes of customers (such as missed payment with another bank, delinquent customers paying another bank, suit filed, settled accounts, etc), which will prompt collections groups to pursue unpaid debt. As consumers, it is now time to be aware that enquiries made by them are no longer secret. One should engage in them only if absolutely necessary.
Customer portfolio review services offer banks an opportunity to better understand details about their customers' portfolios across multiple lenders. The entire portfolio of customers can be reviewed regularly for changes made over time. Banks remain updated on existing customers by assessing and managing the associated risks across various parameters.
Credit bureaus have been innovative with different methods of determining credit scores from variables specific to customers. This score-based system summarises an individual's credit history in numeric terms.
It provides precise indications of a borrower's credit usage and repayment patterns. Consumers need to be very aware of behaviour that can impact credit scores. Bureaus are committed to superior data quality and are working to achieve high rates of data acceptance. In a short span, they have evolved to adopt advanced data cleansing, data enrichment and analytics tools to assist banks in improving their judgment from the available pool of data.
Lending decision is determined by multiple factors like credit reports, credit scores, complete portfolio analysis, frequency of actionable alerts, etc. The credit landscape in India is dynamic and will fast evolve to risk-based lending, where premiums are likely to be determined by credit scores.
The services of bureaus will extend from beyond banking to telecom, insurance, and other specified users. There is a likelihood of the emergence of performance-linked plans, where the premium will be dependent on the individual's credit scores. All the above factors demand from customers a conscious effort at exhibiting creditworthy behaviour. Some prudent practices need to be kept in mind:
DO NOT OPEN NEW ACCOUNTS RAPIDLY: Opening new accounts frequently attracts suspicion.
DO NOT FREQUENTLY CLOSE UNUSED ACCOUNTS: Longer lines of credit always positively impact creditworthiness.
RESPONSIBLY MAINTAIN CREDIT CARDS: Credit card payments must be made on time. Do not obtain additional credit cards to increase available credit. Do not make enquiries when unsure of borrowing.
PAY DOWN DEBT AND ON TIME: It is extremely important to pay down debt, and do so on time. Customers believe that moving balance equates to paying off debt. On the contrary, moving balances need to be settled in a timely fashion to maintain good credit behavior.
FREQUENTLY CHECK CREDIT REPORTS:
It is important to frequently check credit reports to remain informed about discrepancies.
Rebuilding credit history is a slow and patient process. Given the advanced practices adopted by banks in lending decision making, it is important, as a customer, to remain informed and consistently monitor credit. When ordering reports, especially for the very first time, it is advisable to order reports from multiple bureaus to look out for fraudulent activity or errors. Any incorrect information in the credit report should be logged as a "dispute" with the bureaus. The bureaus are obliged to help in dispute resolution with the lending institutions. Engaging in frequent financial health checkups will go a long way in ensuring good financial decisions.
Be alert, be aware.

Samir Bhatia
MD & CEO
Equifax Credit Information Services

http://epaper.timesofindia.com/Default/Scripting/ArticleWin.asp?From=Archive&Source=Page&Skin=ETNEW&BaseHref=ETM/2011/09/09&PageLabel=13&EntityId=Ar01302&ViewMode=HTML

Smart Money Inc. Need Donation to support livelihood project - Auto Rickshaw

2011-09-09T07:30:00.000-07:00

We wish to provide Auto rickshaw to the under privileged citizens who are driving it on rental basis. We have identified and wish to provide 52 auto rickshaws. We have convinced bank to provide loan. For down payments some amount would be shared by the beneficiaries. We request to kindly donate whatever possible to support them with down payment. The said amount will be paid back by them along with the loan and the same will be recycled to the other beneficiaries. We appeal to donate the smallest amount for this cause. Ask us for the bank details.

With Warm Regards

Zoher Doctor / Vikas Trust

Founder Trustee

402, Bholesai Apt., Bh. Emperor, Parsi St, Fatehgunj, Vadodara 390002 GUJ INDIA

Direct: +91 9824063400

Office: +91 265 6553344

www.vikastrust.org

seacoastcoupons.com

2011-09-07T01:59:00.001-07:00

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HOW TO CLEAR YOUR ACNE – ACNE FREE DIET INTRODUCTION
THINKING OF FOREX TRADING
BLACKBERRY BOLD 9900/9930 DEMO
SPORTS!
HOW TO FIGHT ACNE SCARS NATURALLY
AFFORDABLE FRANCHISE HOME BUSINESS -DIRECT SALES
GRAPHIC DESIGN MOVIE – ITALIAN STYLE
TIPS FOR GETTING RID OF ACNE
BLACKBERRY CURVE TOUCH- YET RUMOURED BUT HIGHLY FEATURED!
ACNEFREE – TWENTY-FOUR HOUR ACNE CLEARING SYSTEM

HOW TO CLEAR YOUR ACNE – ACNE FREE DIET INTRODUCTION

Posted: 06 Sep 2011 11:13 PM PDT

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THINKING OF FOREX TRADING

Posted: 06 Sep 2011 09:34 PM PDT

If we have been seeking for the latest approach to mangle in to the marketplace with traffic to have income we might wish to cruise online forex trading. Once we begin your investigate we have been starting to find which it can be called the couple of opposite things together with unfamiliar sell marketplace or banking market. They all return behind to the same thing which is traffic the single form of banking for another. This is the single of the largest markets in the universe to do traffic so seeking for the forex attorney might be the estimable investment in the beginning.

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BLACKBERRY BOLD 9900/9930 DEMO

Posted: 06 Sep 2011 08:40 PM PDT

Blackberry Bold 9900/9930 Demo

SPORTS!

Posted: 06 Sep 2011 08:40 PM PDT

Sports! from Tim as well as Eric Awesome Show, Great Job!

HOW TO FIGHT ACNE SCARS NATURALLY

Posted: 06 Sep 2011 06:12 PM PDT

Acne customarily leaves during the back of scars upon the skin which cannot be private which easily. Mild acne scars can reanimate though any treatment. The great headlines is which there have been countless full of illness ways to get absolved of acne, as great as elementary sterilizing tasks which can be achieved during home to get absolved of acne for good.

Honey: Apply sugar upon the scars.Honey has medicinal worth as great as it creates the scars disappear. You can additionally embody sugar as the partial of your diet.

This competence appear similar to an viewable indicate though the single of the many elementary things to do to get absolved of acne is to rinse your face during slightest twice the day preferably with the sulphur-based soap as great as if we humour from greasy skin the soap containing benzoyl peroxide is recommended.

Diet – the full of illness diet which includes whole, unprocessed dishes such as uninformed fruits as great as vegetables, as great as dishes which enclose Omega-3 greasy acids. You should equivocate processed as great as finished foods, dishes which enclose trans fats, as great as boiled foods.

Since your face is sensitive, your hair competence annoy it. You can operate hair accessories to keep your hair out of your face. If we can’t forestall your hair from in contact with your face, it is critical for we to rinse your hair bland since the mud from hair can hang to your face.

One of the ordinarily used home remedies for acne scars includes requesting turmeric pulp upon the skin. Turmeric is additionally great known for the medicinal value. Scrub your face twice the week with peaceful scrubbing creams. Scrubbers with almonds have been the best. They skin blackheads, whiteheads as great as removes passed skin cells as well. Choose the scrubbing thick cream which has moisturizers as it will assistance your skin stay hydrated.

Try to get copiousness of uninformed air as great as exercise. This has viewable illness benefits quite fever as vitamin D is unequivocally critical in progressing full of illness skin, as great as this is the product of full of illness object However regularly safeguard which we strengthen your skin to an competent turn from the sun. Being outdoor has the combined great of provision additional oxygen to your skin.

Zinc – can assistance reanimate skin blemishes as great as helps to revoke inflammation of the skin. Vitamin B6 – helps diminution attraction of the skin to the goods of testosterone as great as helps diminution outbreaks of acne during the menstrual cycle. Personal hygiene is critical as great as can urge your skin in the unequivocally great way. Never hold or blemish the acne influenced areas. Also have certain never to hold your acne influenced area with unwashed hands. Wash the acne influenced area upon face, neck or shoulders multiform times the day. This creates certain which your skin does not have any dirt, germ as great as passed cells which irritate acne.

Wearing make-up can have we demeanour good, though this can minister to skin damage, too. It can retard your pores, heading to blemish problems. When we unequivocally need to wear make-up, select the water-based regulation as great as rinse it out utterly as shortly as we get home or right prior to starting to bed. Boil 2 to 3 tablespoons of basil leaves in the crater of water. Steep for 10 to twenty minutes. Cool as great as request to your face regulating the string ball. Make the pulp regulating uninformed fenugreek (methi) leaves. Apply to your face each night for 10 to fifteen minutes. Rinse with comfortable water.

AFFORDABLE FRANCHISE HOME BUSINESS -DIRECT SALES

Posted: 06 Sep 2011 05:55 PM PDT

www.Business-Freedom.com Home Business in Direct Sales with an affordable Franchise Business Get proposed right away http Connect upon facebook www.facebook.com What does it take to turn rich as well as successful? Surely someone knows a secret. Can we do it operative for someone else? If you…

GRAPHIC DESIGN MOVIE – ITALIAN STYLE

Posted: 06 Sep 2011 03:48 PM PDT

Lo stile Italia [by Antonio Prigiobbo, Clemente Brunetti e Gianluca Iannotta]. Un corto su i Grandi Graphic Designer che hanno lanciato lo stile italiano (Franco Bassi, Walter Ballmer, Antonio Boggeri, Egidio Bonfante, Erberto Carboni, Leo Lionni, Bruno Munari, Remo Muratore, Marcello Nizzoli, Giovanni Pintori, Saul Steinberg, Albe Steiner, Armando Testa, Luigi Veronesi)[ for info IM contacts upon antonio.digitale.it ]

TIPS FOR GETTING RID OF ACNE

Posted: 06 Sep 2011 01:14 PM PDT

There have been most opposite causes for acne. The snarl is not in meaningful since acne occurs, it is identifying the idealisation equates to for any chairman which has it as great as afterwards reckoning out the suitable diagnosis for the condition. There is the little great headlines in light of all of this. That is which there have been the little simple acne treatments which everybody can examination with when it comes to removing absolved of acne. Here, we will share with we the most usual tips for removing absolved of acne.

1) One of the initial ways which we can be successful in removing absolved of acne is to rivet in the diet which benefits the skin, as great as your illness in general. Organic dishes have not long ago proposed to benefit in recognition as great as for the really great reason. These sold dishes have been not processed. Furthermore, when these dishes have been cultivated, damaging chemicals which can infer to be poisonous to your altogether health, as great as the illness of your skin have been not used. Examples of these toxins embody herbicides, pesticides, as great as identical items. If we wish to redeem from acne, we should safeguard to eat copiousness of dishes which have been labeled Organic. Naturally, immoderate the lot of dishes which have been immature as great as shaggy in the unfeeling difficulty is appropriate. Furthermore, fruits as great as nuts have been additionally beneficial. It is additionally critical to devour equipment which enclose the satisfactory volume of water.

2) The second proceed which we can get absolved of acne is by ensuring which we devour 10 to twelve eyeglasses of H2O the day. Each of these eyeglasses should be during slightest 8 ounces. we know this seems similar to utterly the bit of water, though it is the pass component when it comes to purifying the physique upon the whole. The some-more H2O which moves by your body, the some-more freshen as great as pristine the inside of the physique will be. When this happens, which catharsis will essentially widespread to the outside, or the skin. This equates to which when impurities wage war the pores of the skin, it is rarely expected which the H2O which we have used up will fool around the critical purpose in fast expelling this obstruction. As the result, we will knowledge fewer blemishes.

3) Did we know which by augmenting the volume of vitamins which we ingest, we can revoke the probability of an acne outbreak? This is the subsequent proceed which we can work upon removing absolved of acne. All we have to do is concentration upon eating dishes which have tall levels of vitamins A, B12, B, E, B5, & B6. If we find which it is formidable classification by the mixture upon all which we eat or splash in sequence to show off your bearing to these vitamins, we can squeeze supplements. Many people simply take the multivitamin any singular day. Then, there have been the little which squeeze any of these vitamins as great as afterwards stagger days upon receiving them. However, we confirm to do it, it is critical to only do it! You have been certain to see evident formula when it comes to how freshen as great as full of health your skin is!

4) When it comes to removing absolved of acne, most people have been branch towards healthy herbs. There have been the series of spices which have been found to support in acne complications. Red Clover is an generally renouned herb since of the actuality which it functions to freshen the red blood as great as mislay toxins from the body. Then, we have alternative herbal remedies such as Dandelion Root, as great as Alfalfa. There have been even Chinese Herbs similar to Yang Ming as great as Lung Heat which can infer to be beneficial.

5) If we have the serious box of acne, as great as zero else which we have attempted is successful in removing absolved of it, we should cruise creation an appointment with the dermatologist. These professionals will work closely with we to establish your triggers, skin type, as great as what will be the most appropriate diagnosis choice for we as an individual. Acne is the formidable skin condition which has tormented millions as great as millions of people all via history. There have been most opposite ways which we can proceed this situation. While not all have been successful for everyone, there have been the couple of which will heal your acne for good.

BLACKBERRY CURVE TOUCH- YET RUMOURED BUT HIGHLY FEATURED!

Posted: 06 Sep 2011 10:40 AM PDT

BlackBerry’s Torch has gained strenuous success by out the universe with the opposite looks as good as superb performance. Now, BlackBerry is upon the approach to make the little opposite handsets. In which series, there have been rumours swirling in air about BlackBerry’s ultimate touchscreen intelligent phone called BlackBerry Curve Touch(3G compatible). The handset is not strictly voiced nonetheless though the rough technical specifications as good as picture of the handset have been impressive. Let’s have the peek over the rumoured facilities of the handset.

Design as good as Dimensions: BlackBerry Curve Touch has got curvy looks though the altogether measure as good as weight have been not good good well known yet. The handset is not as big in distance as good as looks charming. By the by, many of the BlackBerry phones have been precious with full QWERTY keyboard, therefore, BlackBerry Curve Touch is featured with practical QWERTY keyboard.External interface: Being the touchscreen phone, Touch is ornate with 3.25 inches TFT shade with fortitude 480 x 360 pixels together with an visual lane pad. The arrangement shade has built in accelerometer sensor for UI auto-rotate with Touch-sensitive controls.

OS as good as CPU: BlackBerry Curve Touch is using the ultimate BlackBerry OS 6.1 as good as powered by Qualcomm MSM8655 800MHz processor.

Camera: Touch is integrated with the decent 5 MP, 2592?1944 pixels together with an LED peep upon the back. The camera can clicks pleasing cinema as good as jot down videos during 720p.

Phone memory: The handset is detailed with 1 GB ROM user accessible with 512 MB RAM. The mental recall storage can be stretched outwardly up to 32GB around microSD label container support.

Internet connectivity: BlackBerry phones have been good good good well known for their pull e-mail services. Therefore BlackBerry Curve Touch is additionally featured with the ultimate interpretation bearers of 2G as good as 3G networks. Thus, to entrance tall speed internet around Touch we can operate GPRS, EDGE, HSDPA, HSUPA as good as Wi-Fi 802.11b/g/n. Other Features: BlackBerry Curve Touch is the initial BlackBerry handset which has got NFC support. It has additionally got A-GPS support, multimedia player, request viewer, Bluetooth, microUSB etc.

Battery: BlackBerry Curve Touch is embedded with the rechargeable customary battery of Li-Ion.

BlackBerry Curve Touch deals: As Research In Motion has not done any central proclamation per the ultimate touchscreen intelligent phone, therefore, nothing of the use providers have suggested their phone deals over this handset. In addition, it is additionally not good good well known which which use provider is starting to turn the vital conduit for Curve Touch in UK market.

If the handset comes to the marketplace afterwards it is utterly certain which it will be expelled as BlackBerry Curve Touch stipulate handset. Which obviously indicates which the handset will be trailed by tantalizing freebies as good as monthly incentives as well. Later on, the compensate as we go as good as SIM giveaway models of the handset will additionally be expelled in the market.So, stay tuned for the ultimate BlackBerry hold shade intelligent phone which will violate we the ultimate features.

ACNEFREE – TWENTY-FOUR HOUR ACNE CLEARING SYSTEM

Posted: 06 Sep 2011 08:13 AM PDT

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