Monday, December 31, 2012

Happy New Year 2013

New Year is the time to visit our relatives and friends
To warm up relations and strengthen friendship
Wishing you a New Year with fun and party
With relatives and friends
Happy New Year
 
 
 



LANGUAGETRANSLATION
AFRIKAANSgelukkige nuwejaar / voorspoedige nuwejaar
AKPOSSOilufio ètussé
ALBANIANGëzuar vitin e ri
ALSATIANe glëckliches nëies / güets nëies johr
ARABICعام سعيد (aam saiid) / sana saiida
ARMENIANshnorhavor nor tari
ATIKAMEKWamokitanone
AZERIyeni iliniz mübarək
BAMBARAaw ni san'kura / bonne année
BASAAmbuee
BASQUEurte berri on
BELARUSIANЗ новым годам (Z novym hodam)
BENGALIsubho nababarsho
BERBERasgwas amegas
BETImbembe mbu
BOBObonne année
BOSNIANsretna nova godina
BRETONbloavezh mat / bloavez mad
BULGARIANчестита нова година (chestita nova godina)
BURMESEhnit thit ku mingalar pa
CANTONESEsun lin fi lok / kung hé fat tsoi
CATALANbon any nou
CHINESE (MANDARIN)新年快了 (xin nian kuai le) / 新年好 (xin nian hao)
CORNISHbledhen nowedh da
CORSICANpace è salute
CROATIANsretna nova godina
CZECHšťastný nový rok
DANISHgodt nytår
DARIsale naw tabrik
DUALAmbu mwa bwam
DUTCHgelukkig nieuwjaar
ENGLISHhappy new year
ESPERANTOfeliĉan novan jaron
ESTONIANhead uut aastat
EWEeƒé bé dzogbenyui nami
EWONDOmbembe mbu
FAROESEgott nýggjár
FINNISHonnellista uutta vuotta
FLEMISHgelukkig nieuwjaar
FRENCHbonne année
FRISIANlokkich neijier
FRIULANbon an
FULAdioul mo wouri
GALICIANfeliz aninovo
GEORGIANგილოცავთ ახალ წელს (gilocavt akhal tsels)
GERMANFrohes neues Jahr / prost Neujahr
GREEKΚαλή Χρονιά (kali chronia / kali xronia) / Ευτυχισμένος ο Καινούριος Χρόνος (eutichismenos o kainourgios chronos)
GUJARATIsal mubarak / nootan varshabhinandan
GUARANÍrogüerohory año nuévo-re
HAITIAN CREOLEbònn ané
HAOUSSAbarka da sabuwar shekara
HAWAIIANhauoli makahiki hou
HEBREWשנה טובה (shana tova)
HEREROombura ombe ombua
HINDInav varsh ki subhkamna
HMONGnyob zoo xyoo tshiab
HUNGARIANboldog új évet
ICELANDICgleðilegt nýtt ár
IGBOobi anuri nke afor ohuru
INDONESIANselamat tahun baru
IRISH GAELICath bhliain faoi mhaise
ITALIANfelice anno nuovo / buon anno
JAVANESEsugeng warsa enggal
JAPANESEあけまして おめでとう ございます (akemashite omedetô gozaimasu)
KABYLIANasseggas ameggaz
KANNADAhosa varshada shubhaashayagalu
KASHMIRInav reh mubarakh
KAZAKHzhana zhiliniz kutti bolsin
KHMERsur sdei chhnam thmei
KIEMBUngethi cya mwaka mweru
KINYARWANDAumwaka mwiza
KIRUNDIumwaka mwiza
KOREAN새해 복 많이 받으세요 (seh heh bok mani bat uh seyo)
KURDEsala we ya nû pîroz be
KWANGALImvhura zompe zongwa
LAOsabai di pi mai
LATINfelix sit annus novus
LATVIANlaimīgu Jauno gadu
LIGURIANbón ànno nêuvo
LINGALAbonana / mbúla ya sika elámu na tombelí yɔ̌
LITHUANIANlaimingų Naujųjų Metų
LOW SAXONgelükkig nyjaar
LUXEMBOURGEOISe gudd neit Joër
MACEDONIANСреќна Нова Година (srekna nova godina)
MALAGASYarahaba tratry ny taona
MALAYselamat tahun baru
MALAYALAMnava varsha ashamshagal
MALTESEis-sena t-tajba
MANGAREVANkia porotu te ano ou
MAORIkia hari te tau hou
MARATHInavin varshaachya hardik shubbheccha
MARQUISIANkaoha nui tenei ehua hou
MOHAWKose:rase
MONGOLIANШинэ жилийн баярын мэнд хvргэе (shine jiliin bayariin mend hurgeye)
MORÉwênd na kô-d yuum-songo
NDEBELEumyaka omucha omuhle
NGOMBALEngeu' shwi pong mbeo paghe
NORWEGIANgodt nyttår
OCCITANbon annada
ORIYAsubha nababarsa / naba barsara hardika abhinandan
OURDOUnaya sar Mubarak
PAPIAMENTUbon anja / felis anja nobo
PASHTOnawe kaalmo mobarak sha
PERSIANسال نو مبارک (sâle no mobârak)
POLISHszczęśliwego nowego roku
PORTUGUESEfeliz ano novo
PUNJABIਨਵੇਂ ਸਾਲ ਦੀਆਂ ਵਧਾਈਆਂ (nave saal deeyan vadhaiyaan)
ROMANCHEbun di bun onn
ROMANIbaxtalo nevo bersh
ROMANIANun an nou fericit / la mulţi ani
RUSSIANС Новым Годом (S novim godom)
SAMOANia manuia le tausaga fou
SANGOnzoni fini ngou
SARDINIANbonu annu nou
SCOTTISH GAELICbliadhna mhath ur
SERBIANsrećna nova godina / Срећна нова година
SHIMAOREmwaha mwema
SHONAgoredzva rakanaka
SINDHInain saal joon wadhayoon
SINHALESEශුභ අළුත් අවුරුද්දක් වේවා (shubha aluth awuruddak weiwa)
SLOVAKšťastný nový rok
SLOVENIANsrečno novo leto
SOBOTAdobir leto
SOMALIsanad wanagsan
SPANISHfeliz año nuevo
SRANANwan bun nyun yari
SWAHILImwaka mzuri / heri ya mwaka mpya
SWEDISHgott nytt år
SWISS-GERMANes guets Nöis
TAGALOGmanigong bagong taon
TAHITIANia orana i te matahiti api
TAMAZIGHTassugas amegaz
TAMILஇனிய புத்தாண்டு நல்வாழ்த்துக்கள் (iniya puthandu nal Vazhthukkal)
TATARyaña yıl belän
TELUGUనూతన సంవత్శర శుభాకాంక్షలు (nuthana samvathsara subhakankshalu)
THAIสวัสดีปีใหม่ (sawatdii pimaï)
TIBETANtashi delek / losar tashi delek
TIGREsanat farah wa khare
TSHILUBAtshidimu tshilenga
TSWANAitumelele ngwaga o mosha
TULUposa varshada shubashaya
TURKISHyeni yılınız kutlu olsun
TWENTSgluk in'n tuk
UDMURTVyľ Aren
UKRAINIANЩасливого Нового Року / З Новим роком (Z novym rokom)
URDUnaya sal mubarak
UZBEKyangi yilingiz qutlug' bo'lsin
VIETNAMESEChúc Mừng Nǎm Mới / Cung Chúc Tân Niên / Cung Chúc Tân Xuân
WALOONene boune anéye, ene boune sintéye
WALOON ("betchfessîs" spelling)bone annéye / bone annéye èt bone santéye
WELSHblwyddyn newydd dda
WEST INDIAN CREOLEbon lanné
WOLOFdewenati
XHOSAnyak'omtsha
YIDDISHa gut yohr

Source: www.freelang.net

 

Are you Saving Enough for Retirement? Check Out This Rule of Thumb

Are your retirement savings enough to live comfortably during your golden years? The March edition of Money Magazine has some guidelines to help you answer that $64,000 question. Before we get to the guidelines, it is important to understand that they are built on a number of assumptions. 

Read More .The article is written by Rob Berger

Is your cheque book CTS compliant?

Source: Myiris
Your old cheque leaves may not be valid after Dec. 31, 2012, as the RBI has instructed all banks to implement the Cheque Truncation System (CTS) across the country. This calls for your immediate action to make sure that your cheque book is CTS compliant.
 
What CTS is
 
Under the CTS system, the physical movement of cheques between banks will be eliminated.
 
Normally, when you issue a cheque to someone, he presents the cheque in his bank to get the credit.
 
The cheque then moves physically from his bank to your bank which involves a lot of time and risk. RBI recognised the disadvantages of this old system and brought about CTS, where instead of the physical movement of the cheque, an electronic image of the cheque is transmitted to the drawee branch.
 
The presenting bank (which is the bank of the person to whom you had issued the cheque to) retains the physical cheque.
 
Along with the electronic image, certain key relevant information is also transmitted, such as date of presentation, presenting bank details, data on the MICR band.
 
Features
 
The CTS-2010 is not just a change in the process of cheque clearing. The change in the system is apparent even on the cheque leaf you use.
 
A CTS compliant cheque leaf is different from a normal cheque leaf you currently use, and has certain distinct features.
 
Cheque printer details: This is printed on the extreme left hand side of the cheque.
 
The printer details along with the words 'CTS-2010' is mentioned along the area where you tear off the leaf from the cheque book.
 
Rupee symbol: The new symbol of the Indian rupee is printed beside the area where the amount in figures needs to be written.
 
Details of the bank and its logo: The bank details and its logo are printed on the face of the cheque. However, it is printed in invisible ink.
 
Signature space indicator: The words 'please sign above' are mentioned indicating the space where you will need to sign the cheque.
 
VOID pantograph: This is a wavelike design, which is visible to the naked eye and seen below the area where the account number is printed.
 
CTS-compliant cheques are safer than old cheques.
 
Benefits
 
The scope for committing frauds is greatly reduced due to the various security checks in place. The CTS helps in speedy clearance of cheques resulting in faster credit to your account. This is because there is no physical movement of cheques and hence time is saved. Further, the absence of physical movement also eliminates the risk of loss of cheque in transit. The different locations are proposed to be integrated under this system in order to cut geographical restrictions in cheque clearing.
 
You must first ensure that you use only CTS-2010 compliant cheque leaves from January 1, 2013. You can check if you hold a CTS compliant cheque book by verifying if the cheque leaves have the features mentioned above. You need to apply in your bank for the same and it is available free of cost.
 
If you have any unused cheque leaves with you, these must be surrendered in your bank. Another critical area to take note of is that you must exchange any old post-dated cheques you may have given to anyone, which are dated after Jan. 1, 2013, with new CTS-compliant cheques immediately. These may include post-dated cheques given for your home loan or auto loan too. RBI has advised to preferably use dark coloured ink while writing CTS cheques.
 
(The writer Adhil Shetty is CEO, BankBazaar.com)
 

How to use the internet to make money




Check out how ET highlights some popular ways to make that quick extra buck: Click here

 

Are you saving enough for retirement

Are your retirement savings enough to live comfortably during your golden years? 

Check out retirement calculator by Myiris.com

Sunday, December 30, 2012

Invest 1 Crore Rupees to Get 20% Return?


Check Asav Patel's article on how to Invest 1 Crore Rupees to Get 20% Return?

SBI - The revised interest rates for Domestic Term Deposits


Below Rupees One Crore’ effective from the 7th September 2012
would be as under:                                    

All figures in % per annum)
Tenor
Below Rs.15 Lakhs
Rs.15 lakhs to less than Rs. 1 Cr
Existing Rates w.e.f. 07.08.2012
Revised rates w.e.f. 07.09.2012
Existing Rates w.e.f. 07.08.2012
Revised rates
w.e.f. 07.09.2012
7 days to 90 days
7.00
6.50
8.00
7.50
91 days to 179 days
7.00
6.50
8.00
7.50
180 days
7.00
6.50
8.00
7.50
181 days to 240 days
7.25
6.50
8.00
7.50
241 days to less than 1 year
7.50
6.50
8.00
7.50
1 year to less than 2 years
9.00
8.50
9.00
8.50
2 years to less than 3 years
9.00
8.50
9.00
8.50
3 years to less than 5 years
9.00
8.50
9.00
8.50
5 years and up to 10 years
8.50
8.50
8.50
8.50
 
Visit SBI website for more details

Saturday, December 29, 2012

Warren Buffett



Warren Edward Buffett is an American business magnate, investor, and philanthropist. He is widely considered the most successful investor of the 20th century.
 
Check out article on Equitymaster on Warren Buffett. 

Basis of Allotment in IPO's



Article on Explaining Basis of Allotment in IPO's by Shiv Kurkreja on One Mint

Thursday, December 27, 2012

Five Factors that cause impulse buying


A large part of all purchases are attributed to impulse buying, this is undoubtedly good for retailers, but it’s not as good for consumers. Check out the article ,click on read more ,to check the article

Differrence between savings & investing

Check out the difference between saving and investing ,explained by Asav Patel of http://www.myjourneytobillionaireclub.com/ .
 
Savings means you Save the money at the end of the month after deducting all the expenses.

While Investing means making your money work for you so that it can multiply.

In Professional language, Investing means acquiring assest out of your money. Assets appreciate in its value over the time and make u rich and financially free.

Investment is the game of making money out of money. But if you never save your money, you will never invest it and thus u can never b financially free and rich.
 
 

Cyrus Pallonji Mistry

Cyrus Pallonji Mistry (born 4 July 1968) is the youngest son of Irish construction magnate Pallonji Mistry. Mistry has been appointed as the Chaiman of the Board of Tata Sons (Tata Group) with effect from December 28 2012, after the retirement of Ratan Tata ,Mistry will be the sixth Chairman of the group and the second not named Tata after Sir Nowroji Saklatvala.Apart from the Tata Group, he also serves as a Director on the Board of several other companies, including Shapoorji Pallonji & Co.,Forbes Gokak, Afcons Infrastructure and United Motors (India).

Other Articles: Ratan Tata to retire tomorrow, Cyrus Mistry to succeed him

 

Brokerage views on top 10 stocks to be bought in 2013



ET.com (Economic Times) spoke to some brokerages for stocks that are likely to outperform peers in the year 2013. Click here to view the list of stocks recommended by brokerage houses

Understand how to plan for kids future.

Nice Article on Child plans by Mr Hemant on his blog :
Click on Child Plan for details.

Wednesday, December 26, 2012

Cibil transunion score 2.0

The new methodology being used by Cibil to calculate the credit score, called the Cibil Transunion Score 2.0. Check out economic times article on Smart things to know, Cibil transunion score 2.0

Mutual funds Common Myths


Lets see some of the common myths associated with mutual funds
Read More


 

Monday, December 24, 2012

Stocks from sectors that could outperform peers in 2013


Check out an article from economictimes today on stocks from sectors which could outperfom in 2013.

 

Introduction to Mutual funds



What are Mutual Funds ?

The first thing to understand is that mutual funds are investment vehicles, and that simply means that investors pool their money together and then the mutual fund invests that money on their behalf.
 

ISIN - what does it mean

ISIN or International Securities Identification Number is a 12 character alpha-numeric code that uniquely identifies a security, across the world.

http://the-finance-blog.blogspot.in/2010/06/what-is-isin.html

Sunday, December 23, 2012

Post Office - Savings Account

 

Post Office - Savings Account

Any individual can open an account.

Cheque facility available.

Group Account, Institutional Account, other Accounts like Security Deposit account & Official Capacity account are not permissible

Rate of interest 4% per annum

Interest Calculator 

Direct plans likely to bring down costs for Mutual Fund Investor

Direct plans likely to bring down costs for Mutual Fund Investor

Click here

Saturday, December 22, 2012

How do they make money....

Check out how do online portals like youtube,Google,linkdel,etc generate revenue from there portals..

Check the link which gives answer to your questions.

http://rcs.seerinteractive.com/money/
 

Economic Times Article - RBI keeps key rates unchanged: Time to invest in bank deposits?



The Reserve Bank of India (RBI) has kept the key rates unchanged in the monetary policy review announced on 18th Dec 2012. Is it the rigth time to invest in Bank Deposits ...

Friday, December 21, 2012

Book - Rich Dad Poor Dad

Rich Dad Poor Dad is a book by Robert Kiyosaki. It advocates financial independence through investing, real estate, owning businesses, and increasing one's financial intelligence.
Rich Dad Poor Dad is written in the style of a set of parables, ostensibly based on Kiyosaki's life. Kiyosaki stresses the ownership of high value assets, rather than being an employee as a recurring theme in the book's chapters.

Summary:

The book is largely based on Kiyosaki's upbringing and education in Hawaii. It highlights the different attitudes to money, work and life of two men (i.e. his titular "rich dad" and "poor dad"), and how they in turn influenced key decisions in Kiyosaki's life.
Among some of the book's topics are:
  • Robert Kiyosaki's personal story
  • The difference between assets and liabilities
  • What the rich teach their kids about money that the poor and middle class do not
  • The idea that your house is not an asset, unless you are using it to produce revenue
  • The value of financial intelligence and financial literacy
  • How corporations spend first, then pay taxes, while individuals must pay taxes first
  • How corporations are artificial entities that anyone can use, but the poor usually do not know how
  • The importance of investing and entrepreneurship
Kiyosaki advocated Dr. Buckminster Fuller's views on wealth, that wealth is measured by the number of days the income from your assets can sustain you, and financial independence is achieved when your monthly income from assets exceeds your monthly expenses.

 

Deeper PF cut will help in long term

Nice and easy explanation of the notification from Employees Provident Fund Organisation (EPFO) of India which says that now we will have to contribute towards the provident fund on the basis of allowances as well. This will reduce your take home salary.

http://ibsindia.org/blog/deeper-pf-cut-will-help-in-long-term/

 

Thursday, December 20, 2012

Banking Laws Amendment Bill

 
The passage of amendments to the Banking Laws in the lower house of the parliament is expected to pave the way for issuance of the new bank licenses by the RBI.
 
Check out the research report from Angel Broking

Here's how you can legally claim tax relief on HRA receipts

Here's how you can legally claim tax relief on HRA receipts Read  More