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 Having credit cards is one of the most fascinating inventions ever. As consumers, we believe we are using credit cards, but in reality, banks are using us to generate revenue! You receive a credit card statement every month, and if you pay the balance on time, that's fine. However, if you only pay the minimum balance due, you get caught in the interest trap. Now, let's look at the actual advantages of a credit card: Assume you receive a salary of $100,000 on the 1st of every month. You then go shopping and buy a smart TV worth $40,000 using your credit card. Your actual salary remains in your savings account, and banks typically offer 6% interest per year, meaning you will earn 0.50% interest in one month. This allows you to keep the $40,000 in your account for about 30 days, and when the credit card bill is due, you can pay it off. It's simple math: you buy something with a credit card on the 1st and pay the amount from your bank account on the 30th. You get to keep your ...

Dear Readers,  The below is a analysis of Motilal Oswal Company. About the company : Motilal Oswal Financial Services Ltd. was founded in 1987 as a small sub-broking unit, with just 2 people running the show.  The company has a network spread over 550 cities and towns comprising 2500+ Business Locations operated by our Business Partners and us and 16,00,000+ customers KEY POINTS   Company Market Share: Market share of Capital Markets 5.7%. Market share of F&O stands at 3.2%  Asset Under Management: As on, July 2022: Broking- ₹ 172 Bn AMC- ₹ 434Bn Home Finance - ₹ 35.5 Bn Wealth AUM was at an all-time high in FY2022 at Rs 34,389 crore, up 36% YoY Key insights :  Active clients have registered 43% YoY growth at 0.93 mn as of June 2022. 83% of new clients acquired from Tier II & III cities. IB revenue was down 98% QoQ due to muted market activity.  MOHFL’s Geographic Reach - Presence across 106 locations in 12 states/uts Over FY17-FY22, MOFSL’s consol...

 ELCID investment is a company which is trading at a price of 3 Rs on stock exchange but it's illiquid which means there are lots of buyers but zero sellers available.... And it's true I mean no one is as idiot to sell a stock at 3 Rs which is worth 6 lakhs approximately..... From 2011 till now this stock has traded for only 16 times  So how can you buy it.... Here is the way ,   in the grey market from the people who are in need of money, So you can buy it in grey market and hold the stock for long period of time! Now,  I'll tell you why the ELCID investment companys intrinsic value is 7 lakh,  the thing is that,  Elcid Investment holds 2.95 per cent stake (2,83,13,860 equity shares) in Asian Paints, valued at over Rs 7,200 crore.  ELCID investment has total shares of 1,90,150  And promoters hold 75% approximately  And public hold 25% i. e. 40,200 Shares !

  First is Intraday trading , it is a form of speculation in securities in which a trader buys and sells a stock within the same trading day!  Many great investor's don't support this type of trading... Benjamin Graham says in his book the intelligent investor that Intraday is quickest way to financial suicide !  Second type is BTST /STBT ::    Means buy today and sell tomorrow ! And sell today and buy tomorrow.. These trading facilities of BTST and STBT help the customers benefit from short-term price volatility in the stocks. Third type is Short selling ::   Short selling means you sell a stock first and then you buy it afterwards from your broker!  Here the difference between the price is your profit/loss! For example if you sell a stock at 100 Rs and  afterwards you buy it at 90 Rs from your broker so here you got profit of 10 Rs per stock!  Fourth type is Swing trading ! :: In  Swing trading you try to capture a Swing in the ...

  Policybazaar is an Indian insurance aggregator and multinational financial technology company.  The company was founded in 2008 by Yashish Dahiya, Alok Bansal and Avaneesh Nirjar. The company has set a price band of Rs 940-980 per share for the IPO. PolicyBazaar IPO will open for subscriptions on November 1. The three-day IPO will conclude on November 3, PolicyBazaar had a steady year of growth.  It has a market share of only 0.54% . In FY 2018-19 _Total income was 529 Crores with Net loss of -347 Crores . In FY 2019-20_ Total income was 856 Crores with Net Loss of -304 crores. In FY 2020-21___ Total income was 957 Crores with Net loss of -150 crores . The company's revenue is increasing year after year and its loss is also reducing which is a good sign . The Future plan of the company is good , but at the present the fundamentals are not appealing . If we talk about number of policies they have sold then...  In FY 2019 they sold 3 Million policies Then in FY 20...

 Hello reader !!  I hope you are doing well..! So what is 50-30-20 Rule ... Well it's a simple Rule which protects you from bankruptcy. In the past people didn't had any Rule for personal Finance so the people who were smart they saved the money for future and the one who weren't they just spends their hard earned money on unnecessary stuff's and ends up broke. In order to stay financial free we should follow this rule  Here this 50_30_20 Rule helps you in order to achieve your financially Goal!  Lets hop onto it!  According to this Rule  one's income is divided into three parts in the percentage of 50 ,30 and 20 ....where one should put 20 per cent of its income for savings and investments , 50 per cent for necessary/daily stuffs while 30 per cent for luxurious needs!  Of course you can reduce the percentage of luxurious stuffs and add it to savings and investments! It totally depends upon you!

Worth to remember !! 1. Never own anything which you don't understand. 2.Logic is the subject which will help you most in picking stocks. 3.Avoid Hot stocks and Whisper stocks. 4.Once you are able to explain the story to a guy who has 0 knowledge of stocks and he understands properly then you have a real grasp of a situation! 5.Try to invest in companies who has a strong balance sheet and less debt. 6.P/E ratio plays vital role... so compare it with the peer companies, the lower the better! 7.Never listen to professionals, kindly do your own research ! 8.Buying a company with mediocre prospects just because the stock is cheap is LOSING Technique. 9.Selling an outstanding Fast grower because it's stock seems slightly overpriced is a LOSING Technique 10.Market declines /Corrections / Recession are the great opportunities to buy great companies at cheap price!

  Zomato is a great company, it's growth is tremendous! Nowadays there is lots of hype of Zomato's IPO Now How will you know it's a good company to invest in? So for that you have to check company's fundamentals.... so lets have a look ,  In FY2018 Net profit was -106 Crores  In FY2019 Net profit was -1010 Crores In FY2020 Net profit was -2385 Crores  So the company is getting loss year after year!  The companys expanses is more then it's income!  Also the stake of the promoter in the company is very less around 6% Approximately And the good thing about Zomato is it's growth  In FY2019 YoY  growth was 185%  In Fy2020 YoY growth was 96%  Summary  At present Zomatos Fundamental is not good,  But the growth is quite good...  Due to the future plans of the company it can make profits in future but right now it's not good to invest your money in Zomato for long term ... But the hype is good and you can have a strong listing gai...

  Stock market gives you opportunity to be a  part of something big ! Many people considers stock market as gambling I will neither agree nor disagree with them... Because if you put your money in stocks after doing your study on the company then it's investing and if you put your money in stocks after listening to some expert or just because your colleagues/friends brought it then I'll say it's pure gambling.  Now I'll come to this question, why you should buy stock? So below are the some reasons  1.High Returns   Yes stocks do give high returns then FD, Savings Account. Historically the NIFTY Index has given a return of 17%  and they are quite safe too if you invest for long term after doing your homework. So choose wisely.  2.High Liquidity   Nowadays stock exchanges provides high Liquidity so in case if  you change your mind then you can easily sell your stocks by tip of your fingers!  3.Creates wealth   Many great people says t...

  In this article I'll be considering that you are a value investor Or long term investor and you have buyed a stock after doing your homework ... So When to sell a stock which you have buyed in hope that it will turns out to be multi-bagger stock in future!  Let's begin,  1.Purpose   When the purpose of the stock is fulfilled then you can sell it, Means For what purpose you have buyed it in first place is Fulfilled then you are good to go!  2.Fundamentals   Fundamentals plays a vital role in checking companies Health . You should sell a stock when it's fundamentals starts decaying... What I mean by fundamentals is the financial papers like P&L statement, balance sheetsheet and Cash flow statement!  How you can check is, if the company started manipulating it or when a companies debt is increased or if company is Defaulting it's debt payment or if there is some corruption going on in the Company! Or when the profits starts to decreasing, then ask...

There are so many factors you should consider before buying a stock... In this article I will be telling you 7 Most important factors you should check before buying any stock.   This 7 things will help you for selecting a stock for long term! So let's begin...  1.Business Model     This is a most common thing you should know before investing in a company. You should understand the business model,  what the company do and how it makes profits and will this company survive in recession and if yes then why or how?     Ask yourself this kind of questions and if got the right answer's then good to go on second point.  2.Revenue  Revenue of the company must be increasing year after year... You can check this by visiting any Financial website, one which I use is screener.in  See human population is increasing year after year right? And it will of course continue increasing in future so the customers of the company also should inc...