Found 30 Articles for Insurance & Investment

Future and Options are the common forms of derivatives. The major difference lies in the way the gains are received by the different parties.An option is having the buyer right to buy or sell a share. But it is not an obligation to buy or sell a share at a certain specified time or price, during the duration of the contract.A Future contract gives an obligation, which is to buy a specified asset to the buyer, as well to a seller to sell or deliver that asset at a specific future date unless the holder’s position is closed prior the ... Read More

Copay, Coinsurance, and Deductibles are the insurance terms mostly used in the US.CopayThis is the amount paid by patients to the doctors, as per the rules of the insurance company. The amount to be paid by the patients is decided by the insurance company, while it doesn’t help in paying any amount.CoinsuranceAlmost all the US citizens have health insurance, usually multiple ones. Some might have only one and in that case, the remaining amount to be paid after the first insurance payment is called as Coinsurance.The patients usually have three types of insurances called Primary, secondary and tertiary.If a patient ... Read More

Before leading up to the stairs of the share market, investors, especially beginners experience the dilemma between what to choose and what not. Investors come across a number of situation where they have to choose one over the other. For instance, Blue Chip or Mid Cap. Let’s find out what exactly they are?Blue Chip CompaniesIn a layman’s terms, a Blue Chip company holds a huge market share, a huge number of customers, grand brand value, offer good liquidity in stocks, render great turnover in business, tracked by all Stock Research houses etc. These are some bright sides of a Blue ... Read More

Investing in shares is definitely an alluring proposal when you have that spare cash, however, it's a risky endeavor that needs some careful thought before you plunge in. While you can earn great rewards most of the times, but when not researched properly it can bring on a huge financial disaster. The risks and the uncertainty attached to shares is what makes one think twice before they get into it. Here are a few things that you should keep in mind before investing in stocks.Research Before You Buy − Runs quick research on the company and its performance in the ... Read More

There are many interesting descriptions of money - "like water", "slippery", "fuel" and lot more. It has been defined on the basis of perceptions by different individuals in different situations. For some it has viscosity like water, and therefore needs to be held in place; in other words, it needs to be saved and managed securely.Managing May Also Be InvestingWhen we talk about managing money, it usually refers to the proper utilization of money which includes expenditures, investments, and incomes. It depends on the individual how he sees his expenditures because, in many situations, they tend to become investments, e.g. ... Read More

Hopefully, you sold it at a much higher price than what you had bought it for. One great thing about real estate is that there's no depreciation in the value and there is guaranteed appreciation although the percentage varies, which is absolutely normal. Now, if this was the only piece of real estate you ever had, then you should focus on acquiring another property that is more compatible with your present situation, e.g. conveniently located from your place of work, potential of infrastructure development in the near future, secure gated community and other standard amenities that most residents expect. Having ... Read More

Inflation has hit many areas of in the lives of the people. Each and every product from electronics to grocery has hit skyrocket price. Hence, there is always a burden on each individual as the expenditure is on the higher side leaving no scope for savings. People are often in a fix on how to save sufficiently each month.Here are some methods that can help in increasing the monthly savings:Spend only on NecessitiesThe excessive expenditure often happens when the individual is keener to spend on luxury items than the necessities. These luxury items pinch your pockets and often need to ... Read More

Go for PPFVery much popular as a long-term investment plan, PPF (Public Provident Fund) can be one of the profitable investment options for you as the Government of India has recently announced that the interest rate on PPF will be revised every year. However, for the year 2017-18, PPF account holders will get an increased interest rate of 8.1 percent. Also, many government and private banks are offering profitable PPF plans with varied interest rates. More important, You get the tax rebate on investing in PPF.Mutual Fund (SIP)Investing in share market through mutual funds is a practice done widely with ... Read More

India’s biggest banks like SBI, ICICI, and PNB have hiked their deposit and loan rates and made the way for interest rates to head only one-way-up. SBI has increased marginal cost based lending rate (MCLR) by 0.20% for the duration of 1 year and 0.25% for three years. This will directly influence your EMI.Now suppose, you have taken a home loan of 20 Lakh then you have to pay Rs 253 additional for the next installment. Similarly, PNB has raised the MCLR by 0.15%. The new rates will be applicable from March 1. So, if you are planning to take ... Read More

Bitcoin is nothing but cryptocurrency or can also be called digital currency. The rules of cryptography for regulating and generating of units of currency are used in this currency. Bitcoins are the most priceless among all cryptocurrency. It is also generally called a decentralized digital currency.How Does It Work?They are totally virtual coins created to be 'self-contained' for their value, emitting the hassle of moving and storing, especially for banks. They have the value of just like the bars of gold in your pockets. These bitcoins can be used to buy goods and services online, or you can keep them ... Read More